If you’re expecting a baby and don’t currently have health insurance, there’s an important coverage option you may not know about.
Illinois now recognizes pregnancy as a qualifying life event for the individual health insurance market. This means that individuals who become pregnant may be eligible to enroll in an individual health plan outside of the annual Open Enrollment Period through a Special Enrollment Period (SEP).
What You Need to Know
- Pregnancy now triggers a Special Enrollment Period (SEP) in Illinois.
- Enrollment is available with confirmation from a licensed health professional.
- Individuals have 60 days from the date of certification to enroll in coverage.
- The SEP applies to plans available through Get Covered Illinois, the state’s health insurance marketplace.
Why This Matters
This is a significant change for uninsured individuals who become pregnant outside of Open Enrollment. Previously, pregnancy alone did not allow someone to enroll in an individual health plan mid-year, often limiting access to coverage until the next enrollment period.
By creating a Special Enrollment Period for pregnancy, Illinois is helping more expectant mothers gain access to important healthcare services, including prenatal care, routine checkups, screenings, and other maternity-related care.
It’s also important to note that Illinois Medicaid maternity programs, including Moms & Babies, remain available for eligible individuals. However, this update expands coverage options for those who may not qualify for Medicaid but still need health insurance during pregnancy.
Have Questions?
Health insurance options can be confusing, especially during major life changes. If you have questions about this new enrollment opportunity or would like help exploring your coverage options, contact Midwest Certified Insurance Agency. Our team is here to help you understand your choices and find coverage that fits your needs.
