Can I change my health insurance plan at any time? 
Some companies will allow you to change your policy mid-contract . If your health insurance coverage is thru your employer , you will need to check with the Human Resources Manager , or the person in charge of employee benefits . Depending on circumstances , you may have a Qualifying Life Event , such as the birth of a child , or a spouse losing current coverage due to job loss . Most companies have a Annual Open Enrollment when coverage can be changed regardless of the circumstances . If you do not have your coverage thru your employer , or your spouses employer , you may still be able to change coverage mid-contract . Most companies will allow an insured to add a child due to birth or adoption , and in some cases , coverage may be automatic for a short period of time . Some companies may only allow the changes to go into effect at the monthly renewal . So in other words , if a policy was written on June 3 , and a request for a change is made on July 20th , you may have to wait until August 3rd for the change to apply to your policy . Read your policy or contact your insurance company to see if coverage can be added or removed , deductibles raised or lowered . 