1. 290 POINTS
    Mark Gilblair
    US Health Advisor, US Health Group, 2250 Point Blvd suite 322, Elgin IL. 60123
    Ordinarily you would need at least one parent or guardian on a policy with children. There are some exceptions such as state sponsored programs for children only.  For instance Illinois has a program called All Kids that provides health insurance to low income families without health insurance. Parents may qualify for similar programs too.
    Answered on May 24, 2013
  2. 1492 POINTS
    Jeff Davis
    Insurance Advisor, Lordship Insurance Services, California
    Children can be covered under a family plan but the parents have to be on those plans. Some states offer coverae for children but there must be a financial or economic reason for the childs inclusion. The best way to cover children with health insurance is to place insurance on the parents or legal guardians and extend it to the chidren.
    Answered on May 25, 2013
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