One of the provisions of the health care reform law required health insurance companies offering coverage to children to accept all children without regard to any pre-existing medical conditions they may have. The unintended consequence of this was that many health insurance companies ceased offering child-only policies at all.
A number of states have responded to this by establishing open enrollment periods during which children age 18 and under are allowed to enroll in health insurance plans. To find out if your state has an open enrollment period, check with your state department of insurance or the office of the insurance commissioner.
We discussed this issue on our blog and published a chart outlining the different state open enrollment periods, here:
You can also find some answers to commonly asked questions about child coverage here:
Finally, if nothing else works out, contact the non-profit Foundation for Health Coverage Education at coverageforall.org. They can tell you if there are any other special government options in your state and put you in touch with the right people to find out if your grandson will qualify.
Best of luck.
You're going to have to talk to a local insurance broker.
See, since the Health Reform Act passed, most states won't sell any "child only" insurance policies - the ones that do, it's short term only, not comprehensive coverage. And you can't buy a family plan with him and you, because of your age.
You're going to have to just hope he can stay on Medicaid.
If you adopted him, then he WOULD qualify to be on an employer provided plan.