Health insurance companies are reluctant to offer child only health insurance policies under The Obama administration and new health law. The Affordable Care Act also know as Obama Care, states that all future plans in the individual health insurance market for children age 18 and younger cannot deny coverage to children who have pre-existing conditions.
Some insurers decided to stop quoting and writing new business in the child-only market because of concerns that parents would not quote and enroll children until they get sick. Insurers can charge higher rates for children, which is not prohibited by the Affordable Care Act but is permitted by state law.