How to get health insurance after having or adopting a child

Actualizado: 2 oct 2020

If you have just welcomed a new baby into your family, you’ll want to ensure that the whole family is covered by health insurance. The birth or adoption of a child is a Qualifying Life Event (QLE) that allows you to get Marketplace insurance (AKA Obamacare plans or Affordable Care Act plans). This event qualifies access to the Marketplace outside of the annual Open Enrollment Period (OEP).


How does the birth or adoption of a child trigger a Qualifying Life Event?

Qualifying Life Events (QLE) for Special Enrollment Periods (SEP) can be triggered by changes in the nature of your household. You can add your new child to your existing plan, if you have one, or you can also shop for a new plan because of your QLE. A SEP triggers a 60-day period in which you can apply and get covered through the Marketplace.


What happens during a Special Enrollment Period?

You may need to verify your eligibility and submit proper documentation (such as child’s birth certificate or letter of adoption to confirm your QLE. After your QLE is verified, you will be able to shop the Marketplace just as you would during Open Enrollment Period. you will have 60 days from your QLE for your SEP. After the close of your SEP, you will need to wait for the next Open Enrollment Period to enroll in Marketplace insurance if you still have not enrolled. 


More on Special Enrollment Periods

  • Having a baby isn’t the only life event that qualifies you to enroll in or change plans outside Open Enrollment.

  • See the full list of life changes that can qualify you for a Special Enrollment Period.

If you have doubts about special enrollment periods, do not hesitate contacting us. We will walk you through the process and help you make your application.

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