A friend of a friend contacted me about her health insurance situation. She is currently pregnant and wondering whether she should stay with her current private health insurance or consider switching plans.

For right now, I encouraged her to stay with what she has. If she were to try to apply for individual coverage while pregnant, she would get denied. So, for now I encouraged her to wait it out and have the baby with her current health insurance. Then, after the baby is born, she can change coverage if she wants.

On the other hand, if she had the opportunity to get group medical insurance through her work or her husband’s work, that would be an option for her. You can get group health insurance while pregnant. Group plans are not subject to medical review. You don’t have to fill out medical questions and you won’t be denied for pre-existing conditions.