Does My Health Insurance Plan Cover My Children And Spouse?

Depending on your situation and the type of policy you have, your insurance plan might cover your spouse and children. If applying for a marketplace plan and you meet eligibility requirements yes, the whole family including children and spouse can be on a family plan. Learn more about how your health insurance policy might cover your family.
Does My Health Insurance Plan Cover My Children And Spouse?

The coverage of your spouse and children depends on your situation and the type of policy you have. If you are applying for a marketplace plan and meet eligibility requirements, the whole family, including children and spouse, can be on a family plan. In some states, an eligible child might qualify for CHIP (Children’s Health Insurance Program). If you receive benefits through your employer, they may or may not offer coverage for your spouse or children, depending on the employer's policies.

How Do Major Medical Plans for Families Work?

Major medical plans for families work similarly to individual plans but with some differences. The main differences are in premiums, deductibles, and maximum out-of-pocket limits:

  • Premiums: Higher because more people are being insured under the plan.
  • Deductibles and Maximum Out-of-Pocket: Plans usually display both individual and family amounts. For example, if one person on the plan meets the individual deductible, the plan's coinsurance will start for that person. If multiple family members together reach the family deductible, the entire family's deductible is considered met. Any remaining out-of-pocket expenses go toward the family out-of-pocket maximum until it is met.

What Is CHIP (Children’s Health Insurance Program)?

CHIP (Children's Health Insurance Program) is an affordable option for families who earn too much to qualify for Medicaid but not enough to purchase private insurance. These programs are designed for children up to 19 years old. Depending on the state, pregnant women may also qualify for CHIP. The program can be free or low-cost, depending on your income level and household size.

Can I Put My Husband's Child on My Health Insurance?

Generally speaking, you can include any child on your health insurance who fits the following criteria:

  • Age: The child must be under the age of 26.
  • Relationship to You: The child needs to be your biological child, your stepchild, your adopted child, or a foster child you are taking care of.