Why would a 'family' want a 'child only' policy?

Why insure just the child? Why not insure the whole family?

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In a letter to the National Association of Insurance Commissioners, Secretary Sebelius today outlined efforts by the U.S. Department of Health and Human Services, working with states, to ensure insurance companies keep their promise to "make pre-existing conditions exclusions a thing of the past" for children. The letter comes after insurance companies reneged on their commitment to provide coverage options for children with pre-existing conditions and refused to sell child only insurance policies. The efforts by the Department of Health and Human Services are designed to increase options for children across America and are already having an impact. Today, the state of Maryland will announce a new agreement with Kaiser Permanente of the Mid-Atlantic and CareFirst BlueCross BlueShield that will ensure the two companies continue to sell child-only insurance policies.

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Do insurance companies have a Obama printing press? If a family wants a child only policy for someone getting a million dollars a year of care, where is the insurance company supposed to get the money to pay claims?

It seems like community organizations or other programs might have an interest in providing grants to families to buy 'child only' policies for sick children.

Why aren't the community organizations acting as the insurance company? Why doesn't Obamacare make it possible for community organizations to offer these blank check 'child only' policies? Give the organizations a cut of the newest Obama lucrative money making opportunity?

Seems like community organizatons, big banks and global players should be jumping at the opportunity to sell these 'child only' policies.

After all, aren't all the young healthy and cheap to insure?