As a broker, I am disappointed that they are not offering commissions to brokers for selling this product. However, I think it is important to spread the word about this plan since so many of our clients have been frustrated by the fact they have not been able to find child-only policies since the passage of health reform.

Unfortunately, all of the major health insurance companies in Texas have discontinued offering child-only coverage. Other than spending too much to add your child to your employer plan, your current options are:

- Consider a family policy for you and your child (You would lose the benefit of your employer contributing to the cost of your coverage)
- Consider a limited benefit plan for your child (I would not recommend this because there is a cap on the benefits)
- Consider a short term plan for your child (I would not recommend this because short term plans are non-renewable)

The only optimism I have for you is that hopefully this will change soon. There is talk of some companies starting to offer child-only coverage again, but I haven’t seen anything happen in Texas yet.