The Navigator Resource Guide has not been updated for 2025 Open Enrollment. For more current information please visit:
cms.gov/marketplace/in-person-assisters/information-partners.
QUESTION

I have Marketplace coverage and just had a baby. Can I change plans?

Individuals with coverage | Individual and Marketplace Health Coverage
ANSWER

With the birth of a baby, as a current Marketplace enrollee, you can add the baby to your current plan or enroll the baby into a separate plan. However, you are generally not able to change the plan that you are currently enrolled in unless that plan does not allow for infant dependent coverage. (45 C.F.R. § 155.420).

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues