Loading page content
Family Coverage
One plan for the whole household
Cover your spouse and children under one policy, with pediatric benefits and household deductibles.
How Family Coverage works
Family coverage insures multiple household members under a single policy. Marketplace family plans include pediatric services as an essential health benefit, covering well-child visits, immunizations and pediatric dental and vision care. When comparing family plans, the family deductible and family out-of-pocket maximum matter more than the individual figures, because a plan can require several individual deductibles to be satisfied before family-level protection applies, a detail that surprises people during a bad year. It is also worth checking whether splitting the household across two plans produces a better result: if one parent has strong employer coverage, enrolling the children on a subsidised Marketplace plan is sometimes cheaper overall. Children may additionally qualify for CHIP depending on household income, even when the parents do not qualify for Medicaid.
Questions
Family Coverage: common questions
How long can my child stay on my plan?
Until they turn 26, regardless of whether they are married, in school, or employed. When they age off, that loss of coverage creates a Special Enrollment Period so they can get their own plan.
Is one family plan always cheaper than separate plans?
Not always. If one spouse has strong employer coverage, putting the children on a subsidised Marketplace plan can cost less overall. It's worth comparing both structures rather than assuming a single plan wins.
Not sure which plan is right for you?
That’s the normal starting point. Tell a licensed agent what matters to you (your doctors, your prescriptions, your budget) and they’ll narrow it down. No cost, no obligation.
When we’re available
- Monday – Friday
- 07:00 – 20:00
- Saturday
- 08:00 – 18:00
- Sunday
- 09:00 – 17:00
Outside these hours, submit a quote request and an agent will call you back on the next business day. TTY users dial 711.
Other options
Related coverage you may also need
Most people combine a primary plan with one or two add-ons.
Important information
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week, or consult your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
InsuranceQuoteBase LLC is a private entity and is not affiliated with, endorsed by, or sponsored by the U.S. government, the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), or the Health Insurance Marketplace.