Getting health insurance coverage for a newborn is one of the earliest major decisions new parents make. Despite lower premiums for children compared to adults, 5.6% of U.S. children under 18 were still uninsured in 2025. One of the biggest drivers behind that figure is the steep cost of care. Most families lean on employer-sponsored plans. Layoffs and sudden career changes can upend that safety net in the blink of an eye. Choosing a private plan then becomes necessary for many parents.
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