Women’s Health

I’m covered as a dependent under my parent’s plan and I’m pregnant. Will my parent’s plan cover my prenatal care and delivery? Will my parent’s plan cover my baby after he’s born?

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The rules are somewhat different depending on the plan your parent has.

If your parent is covered under a small employer plan (less than 50 workers) provided by an insurance company through the Marketplace or outside of the Marketplace, or under an individual policy that your parent purchased directly, then the plan is required to cover your prenatal care and delivery.

However, if your parent is covered under a group health plan offered by a large employer (50 or more workers), then the plan is only required to cover your prenatal care, but is not required to cover the delivery. Medicaid covers prenatal and delivery services in all states. You may be able to qualify forMedicaid on your own.

Your parent’s plan, regardless of the source, is generally not required to cover your child as a dependent. You will need to obtain coverage for your baby. Depending on your income, your child may be eligible for coverage under the Medicaid/CHIP program in your state. Or, you can buy a family policy through the Marketplace and, depending on your income, you may be eligible for a premium tax credit and cost sharing subsidy to reduce your cost of that coverage.

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.