first regarding guaranteed issue all american citizens are guaranteed coverage starting in 2014. it's not required that your family be covered by one plan. when you have a somewhat compliated circumstance as the one you describe it's best to get personalized assistance to figure out the best way to proceed and the plans that will meet your family's needs. you can get in touch with people in your area trained to work with folks signing up for coverage. search for that here: <link>.
mom & dad have an individual pos health insurance policy with humana both kids have coverage with peach care in ga. . one child has health issues and will be 19 soon so no longer eligible for peach care in 2014. do we need a new health plan in 2014 for mom dad and both kids or can the kids (or child with medical issues) get a separate new guarantee plan if mom and dad want to keep their cheaper policy through 2014? adding the kids to the pos policy is not guarantee issue right?