What to compare on a family plan
A family plan is more than a monthly premium. Two plans with similar prices can cost very different amounts once someone gets sick or hurt. Davis lays out the numbers that decide what your family actually pays in a year.
- Monthly premium. What you pay every month to keep the plan active.
- Deductible. What you pay before the plan starts sharing costs. Family plans often have both an individual and a family deductible.
- Out-of-pocket maximum. The most your family pays for covered care in a year. After that, the plan pays the rest.
- Network. Whether your pediatrician, OB-GYN and preferred hospital are in network.
- Prescriptions. How the plan covers the medications anyone in the household takes.
Dental and vision for kids
Marketplace health plans must include pediatric dental and vision coverage as essential health benefits. Sometimes that coverage is built into the health plan, and sometimes it is offered as a separate dental plan. Davis checks which one applies so there are no surprises at the first checkup.
Savings for families on Marketplace plans
Depending on household income and size, your family may qualify for savings that lower the monthly premium on a Marketplace plan. Since 2023, family members may also qualify for these savings when one parent is offered job-based coverage but the cost of adding the family is too high.
Adding a new baby
Having or adopting a child is a qualifying life event. It usually opens a Special Enrollment Period, so you can add your baby or change plans outside Open Enrollment. On Marketplace plans, coverage for a newborn can start on the date of birth. Reach out to Davis as soon as you can after the baby arrives, since the window to act is limited.
How Davis helps your family
- He learns who needs coverage, your doctors, and what you want to spend.
- He compares the family plans available in your county side by side.
- He helps you enroll, then remains your contact for billing questions, life changes and renewals.
Common questions
Can my kids stay on my plan after they turn 18?
Yes. Children can generally stay on a parent's health plan until they turn 26, even if they are married, in school or not living at home.
Is a family plan always cheaper than separate plans?
Not always. Depending on ages, income and needs, separate plans can sometimes cost less. Davis compares both ways.
When can I enroll my family?
During Open Enrollment, November 1 to January 15 for 2027 coverage, or within a Special Enrollment Period after a qualifying life event.
