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January is “Child Only” Open Enrollment Month

January 2nd, 2012 – If you want to apply for an individual health insurance plan for a child only health insurance plan in Colorado, the time to apply is now.  Child only applications are accepted from January 1-31 for a policy effective date of March 1st.

Child only policies are for people under the age of 19, who are applying for health insurance by themselves without any covered adults.

Open enrollment for guarantee issue ”Child Only” health insurance policies comes just twice a year in Colorado.   The next open enrollment periods for Child Only policies in Colorado will be July 1st, 2012 and January 1st, 2013.

There are certain “Qualifying Events” that allow a child to apply for coverage outside of open enrollment due to adoption, birth, marriage or court ordered coverage. Also loss of coverage due to: loss of employer sponsored insurance, divorce, involuntary loss of other existing coverage for any reason other than fraud, misrepresentation, or failure to pay premium; Loss of eligibility under Colorado Medical Assistance Act, or under the children’s basic health plan.

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