Believe it or not, health insurance options that are available to you vary greatly depending on the composition of your household. If you are a single parent, your health insurance needs and options will be different for new parents or a married couple with no kids. Widows/widowers have different health insurance options than divorcees. And same sex couples face different health insurance issues as well.
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Types of Households
- Married Without Children: Married couples need comprehensive health insurance for themselves, but do not need child health plans, nor pre-natal care coverage unless they plan on having children in the future.
- New Parents: New parents need to ensure that their policy covers pre-natal and birthing care.They also need to make sure that they can add their new child on to their family plan.
- Single Parents: Single parents need family plans that offer coverage for themselves and health insurance for their children.
- Same Sex Couples: Same sex couples may have difficulty obtaining family health plans because of laws that restrict their marital status.
- Divorced Individuals: People who are divorced often face the challenge of re-applying for health care when they no longer need a family care plan.
- Widows and Widowers: Widows and Widowers also have to restructure their health care plans when their spouses pass on. They may need to switch from a family plan to an individual plan.
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