The Importance of Insuring Your Children

One of the most important things you can do for your children, next to providing them with plenty of food and a safe environment, is to make sure they have adequate medical care. The best way to do that is to make sure they are covered under some sort of health insurance policy.

Reasons to insure your child
If you don’t have a lot of money, you may think you can get by without health insurance, especially if your child is healthy. However, all it takes is for one of your children to experience a major illness or injury and it could put you in a financial bind.

And even if you are lucky and your child avoids a major illness or injury, minor illnesses can turn into a problem when you can’t afford to take your child to the doctor. In addition, kids need to see a doctor periodically even if they seem healthy. Routine visits allow doctors to make sure your child is growing normally and developing appropriately.

Insurance options
If your employer provides group health insurance coverage, you should be able to add multiple children to the policy for a relatively small premium increase. If you have an individual policy, you should check with your insurer to see what options they provide for health insurance for children only.

If you can’t afford health insurance, you may qualify for government assistance getting health insurance for yourself and your children through Medicaid

Even if your income is too high to qualify for Medicaid, there is a federal program called the Children’s Health Insurance Program that is administered by the states and provides coverage for children up to age 19. Though each state has slightly different requirements, the general requirements are that families of four can make up to $45,000 a year and still qualify. Also, the cost of the program cannot exceed more than five percent of your monthly income. Go to to learn more about child insurance.

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