Hi. I have a question regarding health insurance that I can’t seem to get confirmation from anyone. My health plan at work doesn’t cover routine maternity care for my dependents. My daughter got married a month ago and is currently covered under my plan. She and her spouse don’t have health coverage from their employers. They don’t qualify for Medicaid either.
If my daughter gets pregnant after open enrollment ends will she qualify for a special enrollment period and be allowed to sign up for a policy in the heath exchange?
This way she can remain on my policy until she becomes pregnant and can be dropped because it wouldn’t cover her maternity expenses.
Generally speaking a dependent can remain on your plan until they become pregnant, at that time they will qualify for a Special Enrollment Period. However, in this situation it may not make sense to claim her as a dependent. If they claim themselves they may end up with cheaper coverage and avoid any complications with her technically having affordable employer based coverage which would bar her from getting cost assistance.
When in doubt contact the Marketplace call center at 1-800-318-2596 (TTY: 1-855-889-4325).