Pregnancy and planning a baby
Planning a baby? Get covered before you need it
Every Marketplace plan covers pregnancy, delivery and newborn care — and pregnancy can’t be used to deny you or charge you more. Pregnancy alone usually doesn’t open a Special Enrollment Period, so Open Enrollment is the time to act. Roman checks your OB-GYN, hospital and NICU in-network and explains your full-year costs.
What to know first
Three things that change which plan is right for you.
Check the hospital and NICU
A premature birth can mean weeks in intensive care. Make sure the hospital and its NICU are in-network.
Look at the out-of-pocket maximum
It caps what you pay in a year for covered in-network care — the number that matters most in a complicated pregnancy.
Medicaid may apply
Depending on income, pregnancy Medicaid may be an option. Roman tells you which applies.
Two ways to get it done
Pick the one that suits you. You can start on your own and ask Roman anytime.
On your own
- Enter ZIP, household and income
- See every plan in your county with estimated prices
- Enroll online when you’re ready — Roman stays your agent
With Roman
- He checks your tax credit and income estimate
- Checks your doctors, hospital and prescriptions
- Brings back 2–3 plans with the full-year cost and enrolls you
How it works with Roman
You send the basics
Name, phone and ZIP. Add doctors or prescriptions if you like.
Roman compares
Tax credit, networks, drug lists and the full-year cost across carriers.
You choose and enroll
A 20–40 minute call or text exchange. He handles the application.
Carriers Roman compares
Tap a carrier to see its plans or ask Roman how it compares.
Get free help from Roman
Three fields. Roman replies the same business day — by text unless you pick another way. Your number stays with him.
Roman Shopin
Independent licensed agent · English and Russian
Who you’ll be working with
Licensed in Texas
General Lines Agent (Life, Accident, Health & HMO). License #3473507, NPN 22166747.
Same price as HealthCare.gov
Plan prices are set by the carriers. Using an agent never adds a fee — the carrier pays Roman.
A real office in Austin
2009 North RR 620, Bldg 1, Suite 122, Austin, TX 78734. Affiliated with Futurity First Insurance Group.
Your data stays with Roman
No call centers and no lead reselling. Your number is used only to help you with coverage.
Help after you enroll
Income changes, a new baby, a claim question — you text the same person all year.
Questions people ask
Can I enroll mid-year because I’m pregnant?
Usually not — pregnancy alone isn’t a qualifying event on HealthCare.gov. That’s why enrolling during Open Enrollment matters.
Are pregnancy and delivery covered?
Yes. Maternity and newborn care are essential health benefits on every Marketplace plan.
What happens after the baby is born?
The birth opens a 60-day window to add your baby or switch the family to a different plan.
Not quite your situation?
Each page covers one situation and its deadlines.
- Shopping for a 2027 plan
- Want to know my price after the tax credit
- Already have a plan and got a renewal notice
- Choosing between Bronze, Silver and Gold
- Covering my whole family
- Lost job-based coverage
- Deciding between COBRA and a Marketplace plan
- Just moved to Texas
- Had a baby or adopted
- Got married or divorced
- Self-employed or 1099
- Retired early, under 65
- Turning 26 or need my own plan
- Planning a baby or pregnant
Attention: This website is operated by GetCover Pro (Roman Shopin, licensed agent) and is not the Health Insurance Marketplace® website. In offering this website, GetCover Pro is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans (QHPs) being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at HealthCare.gov.