Add your baby to health insurance on time

Having a baby lets you add them to a health plan outside the usual enrollment season. The window is short, so put it on your list before the birth.

Deadlines to know

• Employer plans must give you at least 30 days after the birth to enroll the baby
• Marketplace (HealthCare.gov or your state's exchange) plans give you 60 days
• Medicaid and CHIP can enroll at any time of year

Steps

1. Before the birth, ask HR or your plan how to add a newborn
2. Compare the cost of adding the baby to each parent's plan if you have two options
3. Enroll as soon as you can after the birth, even before the Social Security number arrives if your plan allows
4. Check the first statements to make sure the baby's visits are billed correctly

General information. Check your plan documents for your exact deadline. Family Penny Saver isn't paid by any brand, store or insurer.