Who it's for
- Couples and families without job-based coverage
- Families where employer coverage for dependents is expensive
- Growing families planning for a new baby
- Blended families or households with members in different situations
What it covers
ACA-compliant family plans cover the essential health benefits for everyone enrolled, including:
- Well-child visits, recommended vaccines, and preventive care
- Pediatric dental and vision services (included or offered alongside, depending on the plan)
- Maternity and newborn care
- Emergency care and hospitalization
- Prescription drugs and mental health services
Key things to know
Look at the family deductible and out-of-pocket maximum
Family plans usually have both an individual and a family amount. How they work together affects what you pay when more than one person needs care.
Check everyone's doctors and prescriptions
A plan that works for one family member's specialist may not include another's pediatrician. Hollen helps you check across the household.
Children may qualify for other programs
Depending on household income and state, children may be eligible for Medicaid or the Children's Health Insurance Program (CHIP), even if parents aren't.
Savings are based on household income and size
Marketplace savings are calculated on your household, so the right mix of plans can make a real difference.
Life changes can open enrollment
Having a baby, adopting, getting married, or losing coverage are generally qualifying life events that can let you enroll or change plans outside Open Enrollment.
Frequently asked questions
Does everyone in the family have to be on the same plan?
Not always. In some situations family members can enroll in different plans. Hollen can help you weigh whether keeping everyone together or splitting coverage makes more sense.
When can I add a new baby?
The birth or adoption of a child is generally a qualifying life event. There's a limited window to add the child, so reach out as soon as you can.
Can my adult child stay on our family plan?
Generally yes, until age 26.
This page is general educational information, not a guarantee of coverage, eligibility, or cost. Benefits, availability, and rules vary by plan, carrier, and state. Contact Hollen for details on specific plans.