Health Coverage for Young Parents

Healthcare coverage makes it easier to cover medical and surgical expenses for you and your family. There are several options available, including free or low-cost healthcare coverage through government programs, private insurance purchased individually or through an employer, and even staying on your parent’s insurance. 

 Many young parents qualify for Medicaid, which is a government-based health insurance for those needing financial assistance. Income, family situations like pregnancy and having children, and disabilities are all factors in determining whether you qualify. Your child will likely qualify for coverage under the Children’s Health Insurance Program (CHIP) regardless of whether you qualify for Medicaid. Find out if you qualify and how to apply for these programs. 

 Some young parents continue healthcare coverage through a parent’s health insurance plan. You can typically join your parent’s plan and stay on until your 26th birthday, even if you have a child, get married, or live out of their home. Find out how to get on your parent’s insurance. 

 If you’re enrolled in a college or university, you are likely eligible for a Student Health Insurance Plan. These plans vary by state and school, but they’re a great way to get healthcare coverage. If your school offers a student health plan, it can be an easy and affordable way to get basic insurance coverage. Check with your school’s health center HealthCare.gov for more information. 

Health Maintenance Organizations (HMOS) provide medical services through a web of providers and facilities. HMOs typically have limitations, but all your services are coordinated through the same place. Your primary care provider will refer you out for services and to specialists as needed. HMOs are usually the least expensive types of private health insurance. Preferred Provider Organizations (PPOs) provide medical services through a large network of participating medical providers; you’ll have a variety of services and facilities to choose from. Those services and providers could be either “in-network,” meaning they cost less, or “out-of-network,” meaning they cost more. PPOs are generally more expensive that HMOs. Exclusive Provider Organizations (EPOs) provide medical services through a national network of medical providers and facilities. Like a PPO, a primary care provider isn’t required. Unlike a PPO, services from out-of-network healthcare providers are not usually covered. Point-of-Service Plans (POS) plans provide medical services through a hybrid of HMO and PPO offerings. The POS offers more flexibility and control. You could use providers, facilities, and other services that are not in your health plan's network. However, you may have to pay more for using out-of-network providers.