Child Health Insurance With Low Deductible
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FAQ
Under the birthday rule, the health plan of the parent whose birthday comes first in the calendar year is designated as the primary plan, according to the National Association of Insurance Commissioners. It doesn't matter which parent is older. The year of birth isn't a factor.
The birthday rule determines primary and secondary insurance coverage when children are covered under both parents' insurance policies. The birthday rule says primary coverage comes from the plan of the parent whose birthday falls first in the year.
Children with special health care needs experience higher costs under a high-deductible plan than with conventional insurance. High-deductible health plans seem like a good deal because they have lower premiums (the cost you pay to get the insurance). Beware the trade-off.
Low deductibles usually mean higher monthly bills, but you'll get the cost-sharing benefits sooner. High deductibles can be a good choice for healthy people who don't expect significant medical bills. A low out-of-pocket maximum gives you the most protection from major medical expenses.
Federal Poverty Level thresholds to qualify for Medicaid The Federal Poverty Level is determined by the size of a family for the lower 48 states and the District of Columbia. For example, in 2022 it is $13,590 for a single adult person, $27,750 for a family of four and $46,630 for a family of eight.