Women’s Health

I just found out that I’m pregnant and my baby is due in March. Can I enroll in a plan though the health insurance Marketplace?

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Yes. However, you may only enroll during an Open Enrollment period. Once enrolled, your plan will be required to cover maternity services. You may also qualify for a premium tax credit and/or a cost sharing reduction, depending on your family income and your eligibility for employer coverage. Once born, you can add the baby to your plan, no matter when during the year the baby is born including outside of the Open Enrollment period. Your special enrollment period will last for 60 days from the date of birth. Adding the baby will change your plan premium and you may be eligible for more financial help.

Depending on your income and the state you reside in, you might instead qualify for Medicaid. There is no enrollment period for Medicaid; you can sign up at any time.

Browse more questions in the Marketplace Eligibility section.

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.

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The independent source for health policy research, polling, and news, KFF is a nonprofit organization based in San Francisco, California.