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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Enroll While Pregnant?

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Question: I’m pregnant and my baby is due in March. Can I enroll in a Covered California plan now and be eligible for premium assistance?

Answer: Yes. You may enroll during Open Enrollment (until January 31, 2017). You may also be eligible for a premium subsidy, depending on your family income and your eligibility for employer coverage. Once you give birth, you can add the baby to the plan. You will also be allowed to change plans at that time since the birth of a child is a qualifying event that allows you to enroll in or change your coverage, no matter when during the year the baby is born. Your special enrollment period will last for 60 days from the date of birth. Adding the baby will change the plan premium and also your subsidy, assuming you qualify for premium tax credits. Depending on your income, you might also qualify for Medi-Cal and there is not a limited open enrollment period for Medi-Cal.

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