If you have just found out your pregnant, you may be experiencing a mix of emotions. But if you do not have health insurance or have a policy that does not provide adequate coverage, you may find yourself concerned about this. One of the questions that we at Express Financial & Insurance Services, serving the greater Santa Monica, CA area are often asked is whether you can purchase health insurance if you know you are pregnant. This may be one of the questions you also have. Here is what you should know about this topic.
Buying Within the Health Insurance Marketplace
If you are looking to purchase health insurance from the health insurance marketplace, you can only purchase health insurance during open enrollment or if you have a qualifying life event, such as moving or losing your current health insurance due to a job change. Pregnancy itself is not a life event that would allow you to purchase insurance outside of open enrollment. However, if it is open enrollment, you can purchase health insurance while pregnant through the marketplace.
Buying Outside of the Marketplace
If you are looking to buy health insurance through a private company, you can purchase health insurance while pregnant. However, it is considered a pre-existing condition and your insurance rates and premiums may be significantly higher due to the pregnancy. This is important to keep in mind, especially if money is tight.
If you are looking to purchase a health insurance plan, whether you are pregnant or not, Express Financial & Insurance Services, serving the greater Santa Monica, CA area, can help you. We can help you determine what health insurance plan best fits your needs. Call us today to get started.