What health insurance company is best for a child?

I am looking for a good and reasonably priced health insurance provider for my 9 year old son. Insurance through my work is outrageous so I'm looking for an outside provider. His mother is suppose to have already put him on CHIP with the state of TX (by court order) but she refuses to do so for some reason. I hate the idea of him being without health insurance. Anyone had any good experiences with certain companies? Any suggestions or feedback would be greatly appreciated.
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State health plans are often among the best coverage, least expensive plans around for kids. However, if that's not an option (as you've indicated), then check into an individual plan for your son. As you found out, putting him on your plan at work will probably give him pretty good benefits, but group plans usually assume that, on average, there will be 2.2 kids/employee; therefore, someone with 1 or 2 pays more while someone with 3 or more pays less (hey, that's how insurance works: it "averages" things out across a lot of people). However, by buying an individual plan for him you'll only pay for "his" coverage. Further, you'll be better able to get a less expensive plan that might be better suited to his actual needs. Here's a few tips: 1. Try to figure out "how much" health care he generally uses. Don't buy a really dynamite plan with a lot of bells & whistles if he's unlikely to use most of them. Remember, the point of "insurance" is to handle expensive items; coverage for the more "routine" stuff is really just "health care financing." 2. Even if you buy a plan with a higher deductible (like $2,500 - 5,000), you'll still probably get those things people use mainly, like doctor and generic drug copays, etc. 3. Find a broker near you who specializes in health insurance specifically. Visit NAHU.org (see below), which is the professional association of brokers (like me) who specialize in individual & employer health insurance. 4. Alternatively (and if you're fairly confident of your expertise in this area) you can run your own quotes for him by visiting my site (below) or Norvax.com, an online quoting site. Hope this helps a bit!
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