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How To Get Health Insurance For Your Child

Even if your child is healthy, this guide will help you get them the protection they deserve before the get sick or injured.


  • Step 1: Contact a community health center to see if they offer low-cost primary health care in case of emergencies.
  • Step 2: Inquire about the Medicaid program for you and your child. Don't be afraid to ask for help; there's no shame in trying to protect your family.
  • FACT: Americans spent $2.3 trillion on health care in 2008 or about $7,681 per person.
  • TIP: Requirements for each state can differ, but most children under 18 years of age whose family makes less than $44,500 a year are eligible.
  • Step 3: Check with your state's Children’s Health Insurance Program, or CHIP, for eligibility by calling 1-877-Kids-Now.
  • Step 4: Ask about a COBRA if you lose your job, but wish to have you and your family covered until you find new employment.
  • Step 5: Contact the major private health insurance companies and ask about programs for children and get quotes.
  • TIP: Though private health insurance can be expensive, certain programs may offer discounts for healthy kids.
  • Step 6: Check with your employer to see if your child is covered or can be added to your policy if you have health insurance through your job.

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