I realise, you suffer with cognitive dissonance, but you are actually asking a question and then answering yourself in the next line:
...so if kids are covered by their parents, who covers orphans? See the fault in your thinking?
Fault in thinking that PARENTS should care for their own children? It appears you're the one doing the crack, here.
For those without parents, we have these things called orphanages. If they're run by the government, the government covers their care. If run by a private organization (i.e. a church), that organization covers their healthcare. Why are you asking such silly questions?
BTW, I don't see YOU, coughing up any cash to take care of any orphans. Yet, you want to dictate to others what they should do with their own money.
The point, of course, is that employers that offer health benefits usually allow for such benefits to cover dependents. And that's also true of the military. Active and retired members can extend their benefits to their spouses and children. That is NOT "socialized" healthcare.
I know from some of the Religious Board threads that you are an Evangelical fundmetalist who believes children should suffer on behalf of their parents (presumably you were righteous enough even as a foetus to deserve decent parents yourself), and that you fervently support Yahweh killing cities full of children and babies to punish the sins of wayward parents... but it's 2010.
So, instead, leave the babies to starve and die.

Your argument belongs in the Bronze Age. Sorry.
The Luke
And yours belongs in a kindergarten class. First, in life, children pay for the sins of their parents. That's as true in 2010 A.D. as it was in 2010 B.C. You mentioned a 5-year-old crack baby. Guess what!! That child has afflictions BECAUSE OF THE SINS OF HIS MOTHER. Because Mama is strung out on crack, that kid is suffering from health problems (among other items).
That's how this sinful world is. Depending on how much authority you have, if you do something stupid, YOU ARE NOT THE ONLY ONE who suffers for it. If you're a father, you know that firsthand. My kids will starve if I do something dumb that costs me my job and I can't pay the bills or the rent. ALL OF US are out on the street, not just me. But, NOBODY is obligated to take care of my family, simply because I screwed up.
Of course, my being a "fundamentalist" doesn't have a thing to do with your paper-thin arguments getting ripped to pieces. But, that's another tale.