What to expect from open enrollment when you’re expecting

Yes. However, you may only enroll during Open Enrollment period. Once enrolled, your plan must provide maternity benefits. Depending on your family’s income and whether you are eligible for employer coverage, you might also be eligible for a premium subsidy. Once born, you can add the baby to your plan. No matter what time of the year the baby is born, the birth of a child is a qualifying event that enables you to enroll your child in coverage. Your 60-day special enrollment window will begin on the day of your birth. Your plan premium will change once the baby is added, and assuming you are eligible for premium tax credits, you will likely be eligible for more financial assistance once you become a family of two. Additionally, you may be eligible for Medicaid based on your income and the state in which you reside. You can enroll in Medicaid at any time; there is no set period of time during which you can do so.

Those who meet the requirements may use FMLA, a federal law, to take time off for personal or

What Is a Qualifying Life Event?

A qualifying life event is a occurrence that qualifies a person for a health insurance Special Enrollment Period rather than having to wait for an Open Enrollment Period.

There are four categories of qualifying life events:

Loss of health insurance

Changes in household

Changes in residence

Other qualifying changes

Turning 26 years old and losing coverage through a parent’s insurance plan

Losing job-based coverage, COBRA, or a student plan

Losing eligibility for Medicare, Medicaid, or the Children’s Health Insurance Program (CHIP)

Losing health insurance for any reason other than not paying the premiums

Getting married, separated, or divorced

Having a baby, adopting a child, or receiving a foster child

The death of someone on your health insurance policy

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Moving to a different county or zip code

For students, moving to or from school

For seasonal workers, moving to or from a work location

Moving in or out of a shelter or transitional housing

Moving to the U.S. from a U.S. territory or foreign country

Changes in income that affect your eligibility for Medicaid coverage

After already having an ACA plan, becoming eligible for tax credits that lower premiums

Becoming a member of a federally recognized tribe

For new U.S. citizens, becoming eligible for Marketplace coverage

For AmeriCorps VISTA members, beginning or ending service

Being released from incarceration

There are times when an exceptional circumstance (also known as a special circumstance) occurs in addition to the aforementioned qualifying life events, which may qualify a person for a special enrollment period.

Is pregnancy considered a qualifying event – What is considered a qualifying event