Most insurance companies in Florida are mandated by law to provide coverage for an adopted child. Coverage can exist from the moment of birth if the adoptive family agreed to the placement prior to the child’s birth. Additionally, federal laws, including the Omnibus Budget Reconciliation Act of 1993 “OBRA ’93” (private employers) and the Health Insurance Portability and Accountability Act of 1996 “HIPPA” (governmental employers), prohibit discrimination against adopted children. Therefore, health insurance coverage for adopted children is available to all families covered by group health plans at the time of placement, which is defined as the time when the adoptive family assumes financial responsibility for the child. Health insurance plans that are individual plans (not employer-sponsored) are not subject to federal regulation. If you are covered by an individual plan, you should check the laws of your state to determine your rights. We suggest that you contact your insurance company as soon as you have a match so that you can ensure your coverage is in place for the child’s birth.