Children's Health Insurance Coverage in 2013: eHealth Releases Updated State Market Data

Children's Health Insurance Coverage in 2013: eHealth Releases Updated State 
Market Data 
MOUNTAIN VIEW, CA -- (Marketwire) -- 03/27/13 --  Today eHealth, Inc.
(NASDAQ: EHTH) (eHealthInsurance.com), America's first and largest
private online health insurance exchange, released information about
the availability of children's health coverage and open enrollment
periods for child-only individual health insurance plans in select
states. 
"Child-only" plans are individual health insurance policies made
available to children age 18 and under with no parent or guardian
listed on the same policy. The 2010 Patient Protection and Affordable
Care Act prevents insurers from declining health insurance
applications for children due to pre-existing medical conditions.
However, concern that parents could delay purchasing coverage for
children until they get sick led some health insurance companies to
stop offering child-only plans in a number of states. 
In response, certain states and insurance companies have designated
open enrollment periods for child-only plans -- specific annual or
biannual enrollment windows when parents or guardians can enroll
children in their own individual health insurance plans without
danger of being declined due to their medical history. In some
states, child-only coverage is available year-round. 
The summary below represents a snapshot of current rules and
processes governing child-only health insurance in select states.
This document is not a comprehensive review of every state's plan for
compliance with this aspect of the federal health reform law. Please
refer to individual state departments of insurance for additional
information.  


 
             Availability of Child-only Health Insurance in 2013            
                                                                            
        STATE                 OPEN ENROLLMENT PERIODS AND CONDITIONS        
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                       Availability of child-only plans varies by insurance 
       Alaska          company but some insurers offer child-only coverage  
                                           year-round.                      
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                     Availability of child-only plans and enrollment periods
      Arkansas                    may vary by insurance company.            
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                       Open enrollment occurs during child's birth month -- 
                      Applications submitted at other times may be approved 
     California      with a higher premium due to pre-existing conditions or
                      if submitted without a qualifying event. Some insurers
                              offer child-only coverage year-round.         
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                      Open enrollment occurs in January and July 2013. Some 
      Colorado             insurers may accept applications year-round.     
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                     Availability of child-only plans and enrollment periods
     Connecticut                  may vary by insurance company.            
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                     Availability of child-only plans and enrollment periods
      Delaware                    may vary by insurance company.            
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                      Open enrollment periods occur in January and July but 
District of Columbia             insurer participation may vary.            
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                     Availability of child-only plans and enrollment periods
       Hawaii                     may vary by insurance company.            
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                     Availability of child-only plans and enrollment periods
        Idaho                     may vary by insurance company.             
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                      Open enrollment occurs July 1 through August 14, 2013 
        Iowa              -- though some insurers may accept child-only     
                                     applications year-round.               
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      Illinois           Open
 enrollment occurs in January and July 2013.   
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                     Availability of child-only plans and enrollment periods
       Kansas         may vary by insurance company and by locale within the
                                              state.                        
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      Kentucky               Open enrollment occurs in January 2013.        
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                       Child-only health insurance policies available year- 
        Maine                                 round.                        
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      Maryland              Open enrollment in January and July 2013.       
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                      Open enrollment occurs from July 1 through August 15, 
    Massachusetts                             2013.                         
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                     Availability of child-only plans and enrollment periods
      Missouri             may vary by insurance company and by locale.     
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                     Availability of child-only plans and enrollment periods
       Montana        may vary by insurance company, though qualifying event
                                         may be required.                   
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                       Child-only health insurance policies available year- 
    New Hampshire                             round.                        
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                       Child-only health insurance policies available year- 
     New Jersey                               round.                        
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                     Availability of child-only plans and enrollment periods
     New Mexico                   may vary by insurance company.            
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                       Child-only health insurance policies available year- 
      New York                                round.                        
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                         Open enrollment occurs in March 2013 but insurer   
        Ohio                         participation may vary.                
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                         Open enrollment occurs in June and July 2013 but   
      Oklahoma                   insurer participation may vary.            
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                       Child-only health insurance policies available year- 
       Oregon                                 round.                        
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                     Availability of child-only plans and enrollment periods
    Pennsylvania                  may vary by insurance company.            
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                       Child-only health insurance policies available year- 
    Rhode Island                              round.                        
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                     Availability of child-only plans and enrollment periods
    South Dakota                  may vary by insurance company.            
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                     Availability of child-only plans and enrollment periods
                        may vary by insurance company -- A certificate of   
        Utah             insurability is required and can be obtained by    
                       applying and being denied coverage under the state's 
                                     high-risk pool, HIPUtah.               
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                       Child-only health insurance policies available year- 
       Vermont                                round.                        
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                        Open enrollment from March 15 - April 30, 2013 and  
     Washington                 September 15 to October 31, 2013.           
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States were selected for inclusion in the chart above when
eHealthInsurance was able to obtain information indicating that there
was at least one health insurer in the state offering major-medical
child-only coverage in at least some circumstance
s. This is not a
complete analysis of the child-only market. Rules and conditions
governing child-only coverage in any specific state may be subject to
change. 
While the data collected above provides some guidance for consumers
in states where child-only coverage is available, rules affecting
consumers in specific states and with specific health insurance
companies may vary. 


 
--  In some states, child-only health insurance plans may be obtained both
    through licensed agents and the insurance company, while in other
    states they may only be obtained by applying directly through the
    health insurance company.
--  A qualifying event (such as birth or adoption, the death of a parent,
    the loss of employer-sponsored coverage, etc) may be required in some
    states in order to qualify for child-only health insurance outside an
    open enrollment period.
--  Some states allow insurers to charge child-only applicants with
    pre-existing medical conditions higher rates than those without
    pre-existing medical conditions.
--  Insurance companies in some states may be allowed to add a surcharge
    to the monthly premium for applicants who were previously uninsured.
--  In some states, insurers have opted to accept child-only applications
    year-round while others may choose not to offer child-only policies at
    all.

  
To learn more about the status and availability of child-only health
insurance plans in their area, consumers should contact a licensed
health insurance agent or their state's department of insurance. 
Additional Consumer Resources: 


 
--  Download or request a FREE printed copy of our book, 'Individual
    Health Insurance For Dummies,' Health Care Reform Special Edition,
    produced in cooperation with For Dummies(R), a branded imprint of
    Wiley, and co-authored by eHealthInsurance
--  Follow eHealthInsurance's consumer blog, Get Smart -- Get Covered
--  Watch educational health insurance videos from eHealthInsurance on
    YouTube
--  Browse our answers to real-life health insurance questions on Yahoo
    Answers
--  Follow eHealthInsurance on Facebook and Twitter

  
About eHealth  
eHealth, Inc. (NASDAQ: EHTH) is the parent company of
eHealthInsurance, America's first and largest private health
insurance exchange where individuals, families and small businesses
can compare health insurance products from leading insurers side by
side and purchase and enroll in coverage online. eHealthInsurance
offers thousands of individual, family and small business health
plans underwritten by more than 180 of the nation's leading health
insurance companies. eHealthInsurance is licensed to sell health
insurance in all 50 states and the District of Columbia. Through the
company's eHealthTechnology solution (www.eHealthTechnology.com),
eHealth is also a leading provider of health insurance exchange
technology. eHealthTechnology's exchange platform provides a suite of
hosted e-commerce solutions that enable health plan providers,
resellers and government entities to market and distribute products
online. eHealth, Inc. also provides powerful online and
pharmacy-based tools to help seniors navigate Medicare health
insurance options, choose the right plan and enroll in select plans
online through its wholly-owned subsidiary, PlanPrescriber.com
(www.planprescriber.com) and through its Medicare website
www.eHealthMedicare.com.  
For more health insurance news and information, visit the
eHealthInsurance consumer blog: Get Smart -- Get Covered. 
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For media inquiries, please contact: 
Sande Drew
eHealth, Inc.
(916) 207-7674
sande.drew@ehealth.com 
Kris Kraves
Cogenta Communications
(805) 527-7733 - direct
kris@cogentacom.com