How Much Does Health Insurance For A Newborn Cost? 
If you are referring to individual major medical coverage , you need to consider that carriers in most states currently do not issue individual -LRB- child only -RRB- plans to children under the age of 18 . If you live in one of the handful of states that do issue child only coverage , some will only issue the policy once the baby is anywhere from 2 weeks to 6 weeks old . If the parents have a major medical policy -LRB- group or individual -RRB- they can add the child to their policy as long as they notify the carrier within 30 days -LRB- most states -RRB- . Premiums for children under the age of 12 months can run several hundred dollars per month . Usually the rates are more affordable after age 2 - 3 . Children with severe medical conditions can not be rejected if added to their parents plan within the grace period , but their premium could be $ 500 + monthly . 