Health insurance for children is a "must have", if at all possible, even more important than health insurance for adults. Unfortunately, it can be quite expensive, primarily for children under the age of two, where higher risk lies from certain illness and the chance of accidents is much greater. I personally priced a policy for my youngest son four years ago (he's now five), with a $500.00 deductible, and the monthly rate for him alone was just shy of $200.00. It dropped to just under $100.00 when he turned two, but before that it was very expensive. I'm a disabled vet and go to VA, in case you're wondering why I didn't just put him on my own policy.
In the case of most adults, I normally recommend that they raise their insurance deductible and pay more out of pocket for their doctor visits. This allows them to keep their monthly premiums lower and still provides protection for emergencies, such as hospitalization costs. Health insurance for children is a bit different. The out of pocket costs can add up very fast, especially if you have more than one small child. Between the mandatory vaccines that kids must have, to risks of childhood disease, to minor fevers and runny noses, it seems as if we were taking at least one of our kids to the doctor every time we turned around for something, mostly minor, but these costs add up very fast.
Where health insurance for children is concerned, there's really not a lot of options to be had. If you can afford a policy with a lower deductible, then by all means, get one, if you have to raise your deductible, so be it, but make sure you have money set aside in case you need to pay the doctor for a visit and buy prescriptions.
Another option is getting assistance through the state that you live in. Most states are very helpful and realize the importance of having health insurance for children. They have special funding set up just for this reason, for those families that qualify. Don't let your pride get in the way of getting your child cared for either. What's more important, your pride or your childs health?
Bottom line - Do whatever means necessary to make absolutely certain that your child gets the proper medical care that they need so that they can have the same opportunities and advantages of all other children.
Learn More About Health Insurance And Get Free Health Insurance Quotes For Your Children At http://TheHealthInsuranceGuys.org or by clicking on Health Insurance For Children