Article Summary
When a new baby is born or adopted, families have a 60-day window to enroll in or adjust their Marketplace health insurance coverage. This period allows parents to add their newborn or newly adopted child to their plan and explore potentially more cost-effective options. The Marketplace also offers free preventive benefits, ensuring comprehensive care for the entire household. Timely updates to your application are crucial to secure uninterrupted coverage and maximize savings.
What This Means for You
- Act quickly: You have 60 days to update your Marketplace plan after a birth or adoption to ensure coverage for your new family member.
- Explore savings: Review your options to find plans with better premiums or subsidies that fit your family’s needs.
- Leverage preventive benefits: Take advantage of free preventive services included in Marketplace plans to support your child’s health.
- Plan ahead: Delaying enrollment beyond the 60-day window could result in a gap in coverage, so prioritize this task.
Marketplace coverage after birth or adoption
Published on June 13, 2024
Update your application online
- Already have a Marketplace plan? Report the change.
- Apply for the first time. Your coverage can start the day of the event, even if you enroll up to 60 days afterward.
- You get free preventive benefits with Marketplace coverage, like .
People Also Ask About
- Can I add my newborn to my existing Marketplace plan? Yes, you can add your newborn within 60 days of birth.
- What if I miss the 60-day enrollment window? You may have to wait until the next Open Enrollment period, risking a coverage gap.
- Are there special subsidies for families with newborns? Yes, you may qualify for additional savings based on your household income.
- What preventive services are covered for newborns? Services like vaccinations and wellness checkups are typically included.
Expert Opinion
According to healthcare policy experts, the 60-day enrollment window is a critical opportunity for families to secure comprehensive coverage for their newborns. Failing to act promptly can lead to unnecessary financial strain and gaps in care. This policy underscores the importance of proactive health management during life-changing events like childbirth or adoption.
Key Terms
- Marketplace health insurance enrollment
- Newborn health coverage options
- Preventive benefits for children
- Health insurance subsidies for families
- 60-day enrollment window for newborns
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