Yes. However, while you are still pregnant, you may only enroll during an Open Enrollment period, which is typically from November through mid-January. Once enrolled, your plan will be required to cover maternity services. You may also qualify for a premium tax credit and/or a cost sharing reduction, depending on your family income and your eligibility for employer coverage.

After the baby is born, you can sign up for health insurance and add the baby to your plan no matter when during the year the baby is born, including outside of the Open Enrollment period. Your “special enrollment period” will last for 60 days from the date of the birth. Adding the baby will change your plan premium and you may be eligible for more financial help.

Depending on your income and the state you reside in, you might instead qualify for Medicaid. Medicaid covers pregnancy–related care with no cost-sharing or premiums, and in most states, it covers the postpartum parent for a year after childbirth. There is no enrollment period for Medicaid; if you qualify, you can sign up at any time during your pregnancy.