Yes, I have asked the same question 🙂 but they said they in the application they verified for applicant's income, as the kid is 4 years old it's zero. Moreover, they took my friend's SSN and other documents also. May be its depends upon the state-by-state rules, and finally, it got approved. He has good insurance, but since Jan 1st they are taking that hospital from in-network which results in paying more than what we pay generally for in-network. And for the next 2 years, it will be very difficult to manage out-of-network bills.