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 Open Enrollment period.  Once enrolled, your plan will be required to cover maternity services.  You may also qualify for a premium subsidy, depending on your family income and your eligibility for employer coverage.  Once born, you can add the baby to your plan.  Birth of a child is a qualifying event that allows you to enroll your baby in coverage, no matter when during the year the baby is born.  Your special enrollment period will last for 60 days from the date of birth.  Adding the baby will change your plan premium; once you are a family of two, you will also probably be eligible for more financial help,  assuming you qualify for premium tax credits. Depending on your income and the state you reside in, you might also qualify for Medicaid.  There is not a limited open 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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Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in San Francisco, California.