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Child health insurance is a major concern for families and the government because there is not a full health coverage for the entire population. Most children benefit from health coverage through their parents insurance or through family plans, but there are families that do not qualify for the public insurance system.

The private sector could also provide viable child health insurance too. The most common and popular type of model in the United States is the employer-provided insurance. Special programs have also been supported and created by Medicare and Medicaid Services to assist families that do not afford to pay the insurance premiums.

60% of child health insurance is provided through the parents employers. The private market provides insurance for some 5% of the total number of American children, while almost 30% have access to the public sector through Medicaid and other national programs. A very high number of American children are uninsured either over short periods of time or permanently. Fortunately this percentage will get lower, but things seem to become more and more difficult in the context of the financial crisis that affects an increasing number of families.

Thanks to the allocated public funds, The State Children’s Insurance Program has been launched and it provides child health insurance for anyone up to 19 that is not part of any insurance plan or policy. According to the national program, each state has a budget and an individual program of administration that allows for the decision of the criteria necessary to qualify for such child health insurance. The families that are eligible for the program are either out of work or have very low revenues. The insurance is either free of charge or it requires a very small payment, and in return it provides child immunizations, emergency services, doctor visits and hospitalization.

There are huge risks in not having child health insurance available. Many parents try home treatments in the attempt to save money but they only manage to worse the health condition. Treatment would nevertheless be more expensive when the problems aggravate. An uninsured child that needs emergency care will cost his/her parents a huge amount of money, that would be otherwise saved through a minimal family insurance plan. Awareness and information are therefore two of the most important elements that could reduce the number of problems caused by lack of heath insurance.

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