Question: My husband was laid off from his job. We are offered the COBRA coverage from his previous employer. I will be electing the COBRA coverage because I am 8 months pregnant. My husband and son are going to look into getting an individual family plan instead of electing COBRA through his prior employer.
Is this an option for our family? Can my husband and son get an individual family plan while I am on COBRA along with our newborn (once he is born)? After the birth, and if everything is fine with both myself and newborn would we be able to also change to an individual family plan?
Answer: Since your husband's job was the source of your health insurance coverage, your husband will have to elect COBRA for his wife to be covered. Yes, when the baby is born he/she will be covered on the COBRA plan. Your son could start on his own health insurance plan now, but since you will deliver in a month he might as well go on COBRA with the rest of the family. Once your baby is born, shop for a health insurance plan for your whole family.