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Health Insurance After Having a Baby
A new baby, an adoption, or a foster care placement is a qualifying life event -- and one of the few where coverage can start retroactively.
Having a baby, adopting a child, or a foster care placement is a qualifying life event that opens a Special Enrollment Period -- and unlike most other events, coverage can often be made retroactive to the date of birth, adoption, or placement, not just the date you enroll.
You generally have 60 days after the event
You can enroll in a Marketplace plan (or add the new dependent to an existing plan) within 60 days of the birth, adoption, or placement.
Retroactive coverage is a real, distinct feature here
Coverage can often be made effective back to the actual date of birth, adoption, or placement -- helpful for covering costs from that exact date forward, not just from when you finish enrolling.
Your next step
Select birth/adoption and the date to see your real window and coverage start.
Also worth a look:
Common questions
Does the new baby need their own separate plan?
Not necessarily -- you can often add a new child to an existing Marketplace plan, or enroll the whole household in a new plan. A licensed agent can walk through what makes sense for your household.
How far back can coverage really be made retroactive?
Generally to the date of birth, adoption, or placement, within your enrollment window -- the exact rules can vary, so confirm your specific dates with an agent.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.