Child-only health insurance does exactly what you’d think it would do: it covers children–and only children. That’s opposed to most other health plans, which focus on covering just adults, or adults and their dependent children. As for what child-only health insurance covers, well, that’s not as easy to summarize. The reason: people looking to buy or obtain this coverage can do so in a couple of different ways.
One way is to buy a child-only plan through the private market. Another is to buy a plan through one of the state health insurance exchanges set up by the Affordable Care Act. Medicaid is another option, depending on your circumstances, as is the government-run Children’s Health Insurance Program (CHIP).