When can I enroll in health insurance?

You can enroll during the annual Open Enrollment Period (November 1 - January 15) or during a Special Enrollment Period if you experience a qualifying life event such as losing other coverage, moving to a new state, getting married, or having a baby.

What subsidies are available for health insurance?

Two main subsidies are available: Premium Tax Credits (which lower monthly premiums based on income) and Cost Sharing Reductions (which lower out-of-pocket costs for Silver plans). Eligibility depends on household income and family size.

How do I find out what plans are available in my state?

Plans vary by state, county, and insurance carrier network. A licensed insurance agent can review options specific to your location and help you compare coverage and costs.

New baby? Coverage from their first day

Birth, adoption, or foster placement is a qualifying life event — and coverage can be backdated to the date of birth, so the hospital bills are handled.

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Coverage backdates to the birth

Enroll within 60 days and your child’s coverage is effective from their date of birth or placement — including those first hospital bills.

The whole household can switch

A new child lets you change plans for the entire family, not just add the baby. If your current plan never fit well, this is the window to fix it.

A bigger household changes the subsidy

Adding a dependent raises the income limits for assistance — many families qualify for a larger subsidy after a birth.

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Common questions

Do I need the Social Security number first?

No — you can enroll your newborn before their SSN arrives and provide it later. Don’t wait out the 60-day window on paperwork.

What about CHIP or Medicaid for the baby?

Depending on household income, your child may qualify for CHIP or Medicaid even if you use a Marketplace plan. An agent can check both at once.

Two minutes tells you where you stand

Answer a few questions and a licensed agent confirms your enrollment window and real plan prices.

Check my eligibility