Family Health Insurance
Comprehensive coverage for your entire family.
Typical cost: $1,000 – $2,500+ per month
Family Health Insurance
Family health insurance covers you, your spouse, and dependent children under one plan. Family plans can be purchased through employers, the Marketplace, or private insurers. Coverage typically includes children up to age 26.
Family Deductibles
Family plans have individual and family deductibles. Once any individual hits their cap or the family hits the family deductible, different cost-sharing may apply. Understand both thresholds when comparing plans.
What's covered
Family Coverage
Single policy covering all eligible family members.
Pediatric Care
Well-child visits, immunizations, and pediatric services.
Maternity Care
Pregnancy and newborn care for family members.
Mental Health
Family counseling and mental health services.
Dental & Vision
Often available as add-ons for children.
Tips
- • Compare employer family coverage vs individual Marketplace plans
- • Family deductibles can be substantial—budget accordingly
- • Add children within 30 days of birth for special enrollment
- • Dental and vision for children may be included in ACA plans
- • Consider HSA-eligible plans for tax-advantaged savings
Other health insurance types
Individual Health Insurance
Health plans for individuals not covered by employer plans.
Short-Term Health Insurance
Temporary coverage for gaps between plans.
Catastrophic Health Insurance
Low-premium plans for worst-case medical scenarios.
HSA-Compatible Plans
High-deductible plans paired with Health Savings Accounts.
Medicare Supplement Insurance
Medigap plans that fill coverage gaps in Medicare.
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