All Health Insurance Marketplace® and Medicaid plans cover pregnancy and childbirth. This is true even if your pregnancy begins before your coverage starts.
Maternity care and newborn care — services provided before and after your child is born — are essential health benefits. This means all qualified health plans inside and outside the Marketplace must cover them.
Choose your situation below for more information:
If you’re pregnant or planning to get pregnant:
If you recently gave birth:
IMPORTANT: Having a baby qualifies you for a Special Enrollment Period
This means that after you have your baby you can enroll in or change Marketplace coverage even if it’s outside the Open Enrollment Period. When you enroll in the new plan, your coverage can be effective from the day the baby was born. Learn more about Special Enrollment Periods and how to apply.
IMPORTANT: Having a baby qualifies you for a Special Enrollment Period
If you already have Marketplace coverage when your baby is born, you can:
No matter when your child is born, you should report their birth to the Marketplace by updating your application as soon as possible. Your coverage options and potential savings may change as a result. You may qualify for more savings than you’re getting now, which could lower what you pay in monthly premiums.