Pregnancy · New baby · Michigan
Pregnant and need health insurance in Michigan
Every Marketplace and Medicaid plan covers pregnancy and childbirth, even if you were pregnant before coverage started. The question is which one you can get, and when.
Your info goes to Nexus only and is never sold. Not to a call center, not to a list of “partners.”
- Medicaid any time of year
- 12 months postpartum
- 60 days after birth
Find my pregnancy coverage
Your info goes to Nexus only. Never sold. No pitch, no obligation.
If you don’t have coverage now
- All Marketplace and Medicaid plans cover pregnancy and childbirth, even if the pregnancy began before coverage started.[1]
- Apply for Medicaid any time of year, directly with the state (MDHHS) or through a HealthCare.gov application that asks for help paying.[1]
- Michigan counts a pregnant woman as at least two people for the income test, which raises the limit for your household.[4]
- Otherwise, enroll during Open Enrollment (November 1, 2026 to January 15, 2027) or with another qualifying life event, like losing coverage or moving.[5,6]
If you already have a Marketplace plan
- Reporting your pregnancy may qualify you for Medicaid or CHIP; if you’re found eligible, you won’t be able to keep the Marketplace plan.[1]
- After the birth, add your baby within 60 days, or enroll the baby in Medicaid or CHIP if eligible.[1]
After the baby arrives
- A baby born on Medicaid is automatically enrolled and stays eligible for at least a year.[1]
- Michigan’s postpartum Medicaid continues for 12 months regardless of income changes.[3] When it ends, losing it can open a Marketplace enrollment window.[6] See losing Medicaid and family coverage.
Sources
- HealthCare.gov, Health coverage if you’re pregnant, plan to get pregnant, or recently gave birth. https://www.healthcare.gov/what-if-im-pregnant-or-plan-to-get-pregnant/
- Michigan DHHS, Bridges Eligibility Manual BEM 125, Pregnant Women Medicaid. https://mdhhs-pres-prod.michigan.gov/olmweb/EX/BP/Public/BEM/125.pdf
- Michigan DHHS, Healthy Moms Healthy Babies (12-month postpartum Medicaid). https://www.michigan.gov/mdhhs/assistance-programs/healthy-moms-healthy-babies
- Michigan DHHS, Bridges Eligibility Manual BEM 211, MAGI Related Groups (fiscal groups; income limits). https://mdhhs-pres-prod.michigan.gov/olmweb/exf/BP/Public/BEM/211.pdf
- HealthCare.gov, Dates and deadlines. https://www.healthcare.gov/quick-guide/dates-and-deadlines/
- HealthCare.gov, Special Enrollment Periods. https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/
Checked October 16, 2026. 2027 Marketplace plans and final 2027 rates aren’t published yet; we’ll update this page when they are.
Frequently asked questions
Can I get health insurance while pregnant in Michigan?
Yes. Medicaid can start any time if you qualify (Michigan's Pregnant Women Medicaid limit is 195% of the poverty level). Marketplace enrollment needs Open Enrollment or a qualifying life event; pregnancy alone isn't one.
Get my options or call 616-808-9426.
Is pregnancy a qualifying life event?
No. Being pregnant doesn't qualify you for a Special Enrollment Period, but the birth of a child does. Apply within 60 days of the birth.
Get my options or call 616-808-9426.
How long does Michigan Medicaid cover me after giving birth?
Through 12 months after the month your pregnancy ends, regardless of changes in income.
Get my options or call 616-808-9426.
Will you sell my information?
No. Your information goes to Nexus Benefit Solutions only and is never sold.
Get my options or call 616-808-9426.