Not every child is born perfectly healthy. One of eight babies is born preterm, with low body weight, birth defects, or other serious illness. Sometimes infants become ill shortly after coming home from the hospital.

Purchasing healthcare coverage for children with preexisting health conditions is much easier than in the past. Given the need for ongoing care, you may want a plan with higher actuarial values.


Newborn baby health insurance coverage comes automatically for thirty days after birth as part of mom’s plan. Then come complicated choices for parents, which they must make quickly while still sleep-deprived.

New parents must choose between adding their baby to an existing plan, changing their plan level, or switching to child-only coverage.