Child health insurance can be very reasonably priced, especially for healthy children. The best value in health insurance for kids can be found in buying a plan that has a high deductible, yet has rich preventive and office based treatment. Many plans have three well-child baby visits and annual physicals that include lab tests and other blood work. It often does not make sense to get a low deductible when buying health insurance for children because it just raises the premium price, and that money could ultimately be saved and used in the case there is a large expense.
If you are considering child health insurance, you may also want to consider a health savings account. These accounts typically have very rich preventive care with high deductibles and, in certain cases, 100% coverage after the deductible is met. This also offers a great savings vehicle if there is additional money to save for a large expense down the road. The Tonik health plans by Anthem are very popular options for child health insurance, as they often include both a dental and vision benefit. Aetna also has excellent child-only plans that have strong preventive care and dental coverage for a small additional cost.
No matter what plan fits best with your child's health insurance needs, it is essential to have coverage in place for your child, should anything happen and oftentimes child health insurance is more affordable than adult health insurance. While you do have the option of insuring your child individually, it is also usually affordable to simply add a child to a family health insurance plan. Many family plans cover adult and child health insurance, all under the umbrella of a single plan.