Can You Switch Health Insurance During Pregnancy? 
Under the new affordable care act , you can change to another health insurance plan during the open enrollment period each year . If you 're outside the open enrollment period and want to switch plans , you would need to qualify for a special enrollment period -LRB- also referred to as a qualifying life-changing event -RRB- . Since a carrier can no longer decline you for a pre-existing condition , health insurance plans are , in short , guaranteed-issue . However , changing plans may not necessarily be in your best interest . Be sure to do an in-depth comparison of your existing plans and the proposed new plans you 're looking at to see which is truly better/more advantageous for your own situation - premiums , coinsurance , copayments , deductibles , out-of-pocket maximums , networks -LRB- HMO vs. PPO vs. POS -RRB- and other factors should be taken into account . An independent agent can help you with this review . 