Health Insurance - Special Enrollment Period for Pregnancy - Coverage Effective Date

SB 794 creates a special enrollment period for pregnancy in Maryland health insurance. It allows individuals who become pregnant (confirmed by a healthcare provider) to choose whether their coverage starts on the first day of the month they receive pregnancy confirmation or the first day of the following month. If they don’t select a date, the insurance company must choose one of these two options. This applies to both marketplace and non-marketplace health plans and takes effect January 1, 2027. The bill directly affects pregnant individuals and parents enrolling dependents during this 90-day special enrollment period.