If you are currently on a health insurance plan, there are options to expand your coverage for your family. Many plans have great health insurance coverage for families. For instance, if you want to add your new born child to your insurance, most carriers give you about 30 days to do so. However, one important thing to note, it is usually more expensive to add a dependent then to insure yourself.
Family plans come in both PPO and HMO formats. In the individual health insurance market, PPO plans are more popular and usually less expensive. This gives the flexibility to the consumer to visit any doctor they choose and most likely have coverage for it. One draw back of PPOs is that the benefits are usually less rich than HMOs.