QUESTION

I’m covered as a dependent under my parent’s plan and I’m pregnant. Will my parent’s plan cover my prenatal care and delivery? Will my parent’s plan cover my baby after he’s born?

Individuals with coverage | Issues For Young Adults: Student Health Plans and Coverage on Parent’s Health Plans
ANSWER

Your parent’s plan is probably covers your maternity care and delivery. (There are a few exceptions to this, see “grandfathered and transitional plans” in the ACA Consumer Protections for Private Coverage section under Other Resources). However, after that, the plan is not required to cover your child as a dependent. You will be responsible for obtaining coverage for your baby. Depending on your income, your child may be eligible for coverage under the Medicaid/CHIP program in your state. Or, you can buy a child-only policy through the marketplace and, depending on your income, you may be eligible for a premium tax credit to reduce your cost of that coverage. (45 C.F.R. § 147.120; 45 C.F.R. § 146.130; 26 U.S.C. § 36B).

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