[quote="jenlovesyu, post:1, topic:230969"]
I'm a single mother in college living at home with my parents. I do not work. My son is 16 months old. His father and I have a court order established. We have joint legal custody and he is supposed to be paying child support and providing medical insurance.
Hi, this is not an easy situation for you and my heart goes out to you as you try to take care of your son and make a better life for the both of you. I commend your courage and your family for being supportive of you.
Yes, your son needs health insurance. You need to be the one to look into it because your son's father is not taking responsibility. You have several possible venues to obtain insurance:
1) Your college likely offers coverage for students and it may offer for dependents. Larger schools include this for grad students who often have families. This may be as simple as signing up in your college's health center.
2) If your parents have insurance through their workplaces, they may be able to include your son as a dependent because he lives there, they're providing more than half your financial support, and if their work policy allows it. This will take a little more paperwork.
3) Does your state have a subsidized child insurance program such as S-CHIP? Many, not all, do. At the very least look into a prescription drug program or group that your state likely offers - if nothing else, this will save you some money on scripts.
4) Finally, if none of these are available, I recommend getting a short-term plan for your son (and for you as well). These aren't cheap, but they're not usually terribly expensive. Shop around, talk to your auto insurance agent or your parents' homeowners' insurance agent. These also usually only last up to a year - they're meant for transitions, ie between jobs or finishing up school.
Lastly, your son's father. He's not abiding by the court's ruling at all? The problem with Court rulings is that you often have to take them back to Court to enforce them. I take it the father isn't exercising his custodial rights - certainly he could drop off a check for something when he picks up his son. You may also have the option of contacting your state's magistrate or probate board, or some equivalent, that oversees custodial arrangements. This may be in the office of child welfare, or of HHD, where they have authority to verify that a ruling is being obeyed. In some states, he could lose his driver's license or go to jail for unpaid child support.