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It's awful that the parents now have to purchase a separate "off Exchange" policy for one child, and the kid isn't included in the overall family deductible or MOOP. The whole thing stinks . . . .
Cadylou, you can get the child/children back on a plan with their parents if you apply on-Exchange and you check "YES" to the question which asks if the child/children lost, or were rejected by, Medicaid or CHIP.
But, even with the added expenses that come with each child having his own plan, they are better off than they would be on Medicaid. Particularly with the big 40% Medicaid cut in pay that's coming to physicians in 24 states later this week.
-ac