During Open Enrollment, you will apply as a household of one (or two if you are enrolling with a spouse). When the baby is born, you can update your family information with the Marketplace to reflect that you have become a household of two (or three if you are enrolling with your spouse). After the baby is born, you will have a 60-day special enrollment period to add the baby to your plan. You will also have the option of enrolling your baby in a different plan. However, you generally will not be able to change health plans as a result of the newborn special enrollment period.

Depending on your income and whether you have access to employer-sponsored health insurance, you may be eligible for financial assistance on with premiums and cost-sharing. See the Help Paying Marketplace Premiums: Defining Income and Household section for more information.