There are several different ways to procure insurance for a child who is living in the state of Florida. Many insurance companies offer health policies that insure only the child and not the rest of the family. In a case like this, the parent must fill out the application for the child, but only the child is insured. Since the cost of insuring a child is less than insuring an entire family, this type of child health insurance often becomes the best choice for many families.

Another way of insuring a child is within a family plan. One of the parents fills out the application and becomes the policyholder. Members of the immediate family, which includes the spouse and children, are all insured. Florida law allows for the coverage of any child that is born while the insurance policy is in effect. If the child is born to a member of the immediate family (the policyholder or spouse), the child’s insurance continues through age eighteen. If the child remains in school, the policy can be extended to age twenty-three to age twenty-five. Florida law also stipulates that a child that is born to someone who is not in the immediate family will be covered for a period of only eighteen months.

Child health insurance is offered in Florida by many different insurance companies. There are hundreds of health plans to choose from. The best way to narrow down the search is to use a special health insurance search engine that categorizes all of these plans according to cost, deductible, company name, type of plan, etc. and allows you to view them side by side, make a comparison and then purchase one. The whole process takes only a few minutes and is easy.