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Will Child-Only Georgia Health Insurance Plans Be Restored?

When the 2010 Patient Protection and Affordable Care Act became law, it changed the way health care was provided for millions of Americans caseearn.com. The health care reform law made several changes in the health insurance industry, but not all of them were intended.

One of the unintended changes in the insurance market involved child-only health care policies. In Georgia and other states, as the Affordable Care Act took hold, insurance companies stopped offering this type of healthcare plan.

Child-only Georgia health insurance plans are usually bought by parents who have an employer-provided health plan that does not include dependent coverage, or has dependent coverage they just can’t afford. Sometimes these plans are bought by parents who can’t get health coverage for themselves due to health reasons and still want to provide coverage for their children. And sometimes, these are bought by parents whose income does not qualify for their kids to get coverage under Medicaid or PeachCare.

One of the mandates of the act is that no children with pre-existing conditions can be denied health coverage. In response to this mandate, insurance companies in various states, including Georgia, stopped offering new individual plans that only cover children.

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