While Pregnant — Buying Health Insurance

: If you or your partner have access to a job-based plan, pregnancy cannot be used to deny your enrollment or charge you more. Some employer plans may have a general waiting period of up to 90 days before benefits begin for any new employee.

Buying health insurance while pregnant is not only possible but guaranteed under federal law for most standard plans. Under the , pregnancy is no longer considered a "pre-existing condition" that can lead to a denial of coverage or higher premiums. Key Coverage Options

Note: A few states (including New York, New Jersey, and Maryland) allow a special enrollment period specifically triggered by the confirmation of pregnancy . Mandatory Maternity Benefits