Real answers for your healthcare questions
How do I add a newborn or adopted child to my health insurance?
Answer
Having a baby or adopting a child is generally a qualifying life event that lets you add the child to health coverage outside normal enrollment periods. Depending on the coverage, you may also be able to change plans or add other household members.
What to Know
Marketplace coverage can often be effective from the date of birth or adoption when enrollment requirements are met. Employer plans have their own notice and enrollment procedures, and children may also qualify for Medicaid or CHIP based on household circumstances.
What to Do Next
Notify the employer plan or Marketplace as soon as possible after the birth or adoption. Do not wait for the next annual enrollment period because special enrollment deadlines apply.
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