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Without health insurance, doctor visits and emergency care costs can escalate quickly. Health insurance is a necessary support tool to avoid serious financial strain. Aflac doesn't offer primary health insurance, but we do offer supplemental plans that work with your existing plan to help offset out-of-pocket expenses.
Getting proper health insurance for children is crucial. In most cases, children can stay on their parent’s health insurance plan until they turn 26 years old.1 However, this depends on the regulations within the parent or guardian's plan, their state of residence, and unique circumstances. You can get health insurance for yourself and your kids through the insurance marketplace, government programs, or your employer if they offer it.2
Health insurance for kids can have similar coverage to an adult plan. Examples of some covered events include:
Don’t wait until it’s too late. Help cover yourself and your family with affordable coverage from Aflac.
The cost of health insurance for children depends on age, location, and whether they can be included in their parent’s plan. At some insurance companies, you can pay more per month for premiums to expand family support.
For example, if the child is under the age of 14, you usually only have to pay a flat rate to add them to an existing adult health insurance plan. From ages 14 to 26, the premium may steadily rise each year for the child’s coverage.4 The specific price depends on the existing plan’s coverage and baseline cost. We recommend looking at the specifics within each health insurance plan to see what the cost of add-on benefits looks like.
If you can’t afford health insurance for a child, you may be eligible for The Children's Health Insurance Program. This program offers free or low-cost insurance for children in your life, depending on the state you live in and your financial abilities.5 This plan offers health insurance for kids only. The age restrictions vary from state to state, but generally, anyone under 19 years old is considered young enough for this child-only health insurance program.6
Medicaid and Medicare are the government-run health insurance programs offered to adults.7 Medicare is offered to Americans 65 years of age and older that also have a disability. Medicaid is specifically offered to low-income individuals of any age.8 We recommend checking out HealthCare.gov for more information on how to get government assistance for adult and child healthcare.
Aflac offers several supplemental insurance policies, like cancer, critical illness, hospital, short-term disability, vision, and accident. Some of these insurance plans offer the ability to extend support to family members. Chat with an agent to explore how to get more support for you and your loved ones.
Explore your supplemental health insurance options.
1 Value Penguin – Health Insurance at Age 26. Updated Mar 7, 2022. https://www.valuepenguin.com/health-insurance-age-26. Accessed July 6, 2022.
2 Quote Wizard - How to Get Child-Only Health Insurance. Updated May 18, 2021. https://quotewizard.com/health-insurance/child-only-health-insurance. Accessed July 6, 2022.
3 & 5 HealthCare.gov - Children's Health Insurance Program (CHIP) Eligibility Requirements. https://www.healthcare.gov/medicaid-chip/childrens-health-insurance-program/. Accessed July 6, 2022.
4 Value Penguin - Average Cost of Health Insurance 2022. Updated Jun 15, 2022. https://www.valuepenguin.com/average-cost-of-health-insurance. Accessed July 6, 2022.
6 Medicaid – Eligibility. https://www.medicaid.gov/chip/eligibility/index.html. Accessed July 6, 2022.
7 & 8 Investopedia - Medicare vs. Medicaid What's the Difference. Updated June 30, 2022. https://www.investopedia.com/articles/pf/07/medicare-vs-medicaid.asp. Accessed July 6, 2022.
Coverage is underwritten by Aflac. In New York, coverage is underwritten by Aflac New York.
Information herein is intended to provide general guidance and does not constitute legal, tax, or accounting advice regarding any specific situation. Aflac cannot anticipate all the facts that a particular employer or individual will have to consider in their benefits decision-making process.
This is a brief product overview only. Coverage may not be available in all states, including but not limited to ID, NJ, NM, NY, or VA. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Plans and riders may also contain a waiting period. Refer to the exact plans and riders for benefit details, definitions, limitations and exclusions. For availability and costs, please contact your local Aflac agent/producer.
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