January 1, 2010

Q: I presently get free insurance through my employer but if I add anyone on my policy it goes to $350.00. My daughters recently lost FAMIS and I am looking for insurance for them.

A: Individual insurance policies for children are available at a much lower price than group employer-provided policies. The coverage is as good or better. See the listings at www.MedSave.com for the state where you live. Celtic Insurance is particularly popular for this purpose and this top quality coverage is typically priced less than $100 per month. Several of the other plans listed work equally well. For this reason, a growing number of families in America insure their kids on a separate policy. It is a win/win/win situation for the employer's benefit plan, the parent's budget and the quality of the child's health care. See the article "Trends in Children's Health Insurance" for more information on this emerging trend and comments on specific insurance choices.



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