California Maternity Insurance After Obamacare


Every plan in California now provides maternity coverage. But some plans are better at reducing your costs. We’ll show you which ones. Picking the right plan is now very important.

Although health care reform (Obamacare) is supposed to reduce costs, most thought they would see the reduction in lower monthly premiums. California Maternity Insurance plans ObamacareThe new Obamcare maternity insurance plans do reduce the total cost to have a baby by making the prenatal care free. You’ll see this result in the analysis shown below.

We’ll briefly cover the key benefits you’ll want in good maternity insurance, then we’ll show you the Best California Maternity Insurance Plans, and we’ll review how Obamacare has effected maternity care options in California. Finally, we’ll give you a simple step by step process to find the right health coverage for your pregnancy and delivery, and show you a simple trick to reduce the overall cost of your baby by timing when you give birth.


See the Top Pregnancy Health Plans in San Diego



All Obamacare health insurance provides maternity coverage, but that doesn’t make ANY plan a good option. We analyzed all the California health insurance options and show you which are the Best California Maternity Insurance plans. The best pregnancy coverage for you is the one that reduces your total out of pocket costs, including the monthly premiums and any costs associated with the prenatal care and delivery. To get the top maternity insurance, California mothers need to talk to the experts. At SPF Insurance we are your maternity insurance experts. Because of the regional differences in which plans are available in California, the best plans in San Diego might not be the best plans in Fresno or San Francisco. Ask us and we’ll do the analysis for your region and show you which plans are your best options.


Best Maternity Insurance In California Post Obamacare

The best insurance for pregnancy is typically a Co-Payment Platinum 90 HMO plan. We’ve analyzed the health insurance plans in each region of California and determined what the top plans are for you. The top plans are different in each region. This happens because many of the smaller insurance companies only operate in a few of the 19 regions. Plus some of the major companies are not available in every region.

Select the tab with the name of your county/region to see the best maternity choices for you.

We’ve started working on updates for 2018. If you see “2018” above the list of plans in your region, that means it’s updated to 2018 plans/rates.

Top Maternity Plans In San Diego County

2018

  1. Kaiser Permanente Platinum 90 (HMO)
  2. Total Out Of Pocket Costs (TOOPC) = $5,121

  3. Health Net Platinum 90 (HMO)
  4. (TOOPC) = $5,185

  5. Kaiser Permanente Gold 80 (HMO)
  6. TOOPC = $5,865

  7. Health Net Gold 80 (HMO)
  8. TOOPC = $5,876

  9. Sharp Health Plan Platinum 90 (HMO)
  10. TOOPC = $5,960

  11. Sharp Health Plan Gold 80 (HMO)
  12. TOOPC = $6,118

  13. Blue Shield Gold 80 (HMO Trio)
  14. TOOPC = $6,167

  15. Molina Healthcare Platinum 90 (HMO) CoveredCA Only
  16. TOOPC = $6,960

  17. Blue Shield Platinum 90 (HMO Trio)
  18. TOOPC = $7,183

  19. Molina Healthcare Gold 80 (HMO) CoveredCA Only
  20. TOOPC = $7,818

  21. Blue Shield Gold 80 (PPO)
  22. TOOPC = $9,354

  23. Blue Shield Platinum 90 (PPO)
  24. TOOPC = $9,846

Total Out Of Pocket Cost in San Diego California
is based upon a 30 year old woman living in Encinitas, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery.

The average 2017 vaginal childbirth in San Diego County increased by 11% to $15,913. The average cesarean childbirth costs $21,378.

The departure of Anthem Blue Cross from most of California had little effect on the maternity plans since Anthem plans were more expensive. The other notable changes are that Blue Shield introduced the Trio HMO network with competitive pricing, while the regions PPO plans continued to increase faster than the HMO plans.

Health Net and Kaiser Permanente swapped positions at the top of the list this year.

HMO plans dominate the top of the lists now.

The Health Net CommunityCare Platinum 90 HMO and Kaiser Permanente Platinum 90 HMO plans continue to provide the lowest total cost of all 2018 maternity health plans in San Diego County.

To see the detailed breakdown of the Total Out Of Pocket Costs for the San Diego California maternity insurance options, click here.

Top Maternity Plans In Contra Costa County

2018

  1. Kaiser Permanente Platinum 90 (HMO)
  2. TOOPC = $6,165

  3. Kaiser Permanente Gold 80 (HMO)
  4. TOOPC = $6,362

  5. Sutter Health Plus Platinum MI01 (HMO)
  6. TOOPC = $8,569

  7. Blue Shield Gold 80 (HMO)
  8. TOOPC = $8,984

  9. Sutter Health Plus Gold MI01 (HMO)
  10. TOOPC = $9,693

  11. Blue Shield Platinum 90 (HMO)
  12. TOOPC = $10,974

  13. Blue Shield Gold 80 (PPO)
  14. TOOPC = $10,797

  15. Blue Shield Platinum 90 (PPO)
  16. TOOPC = $11,333

  17. Health Net Platinum 90 (EPO)
  18. TOOPC = $13,317

Total Out Of Pocket Cost in Concord California
is based upon a 30 year old woman living in Walnut Creek, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more).

The average vaginal childbirth in the Bay Area costs $18,550. The average cesarean childbirth costs $25,881.

There were significant price increases for maternity plans in Contra Costa County in 2018 and this resulted in significant cost increases to have a baby. Kaiser Permanente plans experienced the smallest changes, with increases of only $200, while Blue Shield and Health Net had cost increases of $1,016 to $3,494.

Sutter Health Plus is making a big move in this region to gain market share. The Sutter Health Plus Platinum plan is now the 3rd best option and the Gold plan is number five. Blue Shield and Health Net both fell back in the standings due to their cost increases. Contra Costa County is definitely Kaiser country and Sutter Health is trying to keep Kaiser from running away with everything.

To see the detailed breakdown of the Total Out Of Pocket Costs for the Contra Costa California maternity insurance options, click here.

Top Maternity Plans In Orange County

2018

  1. Health Net Gold 80 (HMO)
  2. Total Out Of Pocket Costs (TOOPC) = $5,639

  3. Kaiser Permanente Gold 80 (HMO)
  4. $5,836

  5. Kaiser Permanente Platinum 90 (HMO)
  6. $5,869

  7. Health Net Platinum 90 (HMO)
  8. $5,932

  9. Oscar Health Insurance Gold 80 (EPO)
  10. $6,052

  11. Oscar Health Insurance Platinum 90 (EPO)
  12. $6,221

  13. Blue Shield Gold 80 (HMO Trio)
  14. $6,299

  15. Molina Healthcare Platinum 90 (HMO) CoveredCA Only
  16. $6,792

  17. Molina Healthcare Gold 90 (HMO) CoveredCA Only
  18. $7,482

  19. Blue Shield Gold 80 (PPO)
  20. $8,325

Total Out Of Pocket Cost in Orange County California
is based upon a 30 year old woman living in Irvine, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more).

The average vaginal childbirth in Orange County costs $15,853 in 2017, up 11.4% from 2016, and the average cesarean childbirth costs $20,064, down slightly from 2016.

The most notable change from 2017 is that many plans experienced significant rate increases. Having a baby in Orange County is now $124 to $1832 more expensive than last year.

Health Net kept the top maternity health insurance spot with their CommunityCare Gold HMO plan, which replaced their Platinum HMO plan. Kaiser plans had the smallest rate increases and climbed from the 6th and 8th spots to the 2nd and 3rd spots.

In 2018 the best maternity plan is the Health Net Gold 80 HMO plan with a total cost of $5,639 (an increase of $980 from 2017). The highest cost plan on the list, Blue Shield Gold 80 PPO, has a total cost of $8,325.

To see the detailed breakdown of the Total Out Of Pocket Costs for the Orange County California maternity insurance options, click here.

Best Maternity Insurance Plans in Fresno, Kings, and Madera Counties

2017

  1. Kaiser Permanente Platinum 90 (HMO)
  2. Total Out Of Pocket Costs (TOOPC) = $5,168

  3. Kaiser Permanente Gold 80 (HMO)
  4. $5,424

  5. Anthem Blue Cross Gold 80 (HMO)
  6. $6,564

  7. Anthem Blue Cross Platinum 90 (HMO)
  8. $6,968

  9. Blue Shield Platinum 90 (PPO)
  10. $7,105

  11. Anthem Blue Cross Platinum 90 (PPO)
  12. $7,321

  13. Blue Shield Gold 80 (PPO)
  14. $7,756

  15. Health Net Platinum 90 (HSP)
  16. $8,617

Total Maternity Insurance Cost in Fresno California
is based upon a 30 year old woman living in Fresno, CA, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more).

The average vaginal childbirth in California costs $16,092. The average cesarean childbirth costs $21,759.

The biggest difference between 2017 and the 2016 Obamacare maternity plans is the price to have a baby has gone up at least $288 in this region. The other change is that United Healthcare is no longer offering coverage in California.

The 2 HMO offerings from Kaiser Permanente are the lowest cost in this region. If you choose to have your baby outside the Kaiser system you will pay at least $1,140 more to use any other insurance company.

To see the detailed breakdown of the Total Out Of Pocket Costs for the Fresno, Kings, and Madera California maternity insurance options, click here.

Best Maternity Plans In Los Angeles California South

2018

The South Los Angeles region (Region 16) includes the following ZIP codes:
90001 – 90510
91301 – 91499
91601 – 91618

  1. LA Care Platinum 90 (HMO) CoveredCA Only
  2. Total Out Of Pocket Costs = $4,888

  3. LA Care Gold 80 (HMO) CoveredCA Only
  4. $4,958

  5. Health Net Platinum 90 (HMO)
  6. $5,028

  7. Health Net Gold 80 (HMO)
  8. $5,309

  9. Kaiser Permanente Platinum 90 (HMO)
  10. $5,352

  11. Oscar Health Insurance Gold 80 (EPO)
  12. $6,101

  13. Oscar Health Insurance Platinum 90 (EPO)
  14. $6,279

  15. Blue Shield GOLD 80 (HMO)
  16. $6,467

  17. Molina Healthcare Platinum 90 (HMO) CoveredCA Only
  18. $6,596

  19. Kaiser Permanente Gold 80 (HMO)
  20. $5,620

  21. Molina Healthcare Gold 80 (HMO) CoveredCA Only
  22. $7,173

  23. Health Net Gold 80 (EC PPO)
  24. $8,457

  25. Blue Shield Platinum 90 (PPO)
  26. $9,653

Total Out Of Pocket Cost in Long Beach California
is based upon a 30 year old woman, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more).

The average vaginal childbirth in Los Angeles costs $15,853 in 2017, up 11.4% from 2016, and the average cesarean childbirth costs $20,064, down slightly from 2016.

The cost to have a baby in South Los Angeles is increasing $220 to $1,775 in 2018. LA Care maintains the top spot in 2018’s list. Their offerings had an increase of $440, while Health Net Platinum HMO had the lowest price increase ($220) in the region.

PPO plans have almost fallen completely out of the list, but we’ve kept Blue Shield on the list, along with a new Enhanced Care PPO network plan from Health Net. Oscar offers an EPO plan which functions like a PPO, and it is priced much lower than the other PPO options in Los Angeles. If you need a PPO/EPO I suggest you check out Oscar.

The domination of the list by HMO plans is going to continue for the foreseeable future.

To get the detailed breakdown of the Total Out Of Pocket Costs for the South Los Angeles maternity insurance options, click here.

Top Maternity Insurance Los Angeles North

2018

The North Los Angeles region (Region 15) includes the following range of ZIP codes:
90601 – 91226
91501 – 91526
91702 – 93599

  1. LA Care Health Plan Platinum 90 (HMO) CoveredCA Only
  2. Total Out Of Pocket Costs = $4,268

  3. LA Care Health Plan Gold 80 (HMO) CoveredCA Only
  4. $4,440

  5. Health Net Platinum 90 (HMO)
  6. $4,508

  7. Health Net Gold 80 (HMO)
  8. $4,812

  9. Kaiser Permanente Platinum 90 (HMO)
  10. $4,868

  11. Blue Shield Gold 80 (HMO)
  12. $4,872

  13. Molina Healthcare Platinum 90 (HMO) CoveredCA Only
  14. $4,878

  15. Anthem Blue Cross Gold 80 (HMO)
  16. $4,932

  17. Anthem Blue Cross Platinum 90 (HMO)
  18. $5,000

  19. Blue Shield Platinum 90 (HMO)
  20. $5,036

  21. Kaiser Permanente Gold 80 (HMO)
  22. $5,160

  23. Molina Healthcare Gold 80 (HMO) CoveredCA Only
  24. $5,845

  25. Blue Shield Platinum 90 (PPO)
  26. $6,450

  27. Anthem Blue Cross Platinum 90 (EPO)
  28. $7,230

Total Out Of Pocket Cost in Los Angeles California
Is based upon a 30 year old woman living in Glendale, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more).

in Los Angeles California the average vaginal childbirth costs $14,228, and the average cesarean childbirth costs $20,235.

In 2017 the Los Angeles market pregnancy insurance price increases range from $60 to $1,838. The largest increases came in the PPO plans. This is similar to what is happening to all PPO plans in California.

HMO policies still dominate the top of the list. The best PPO plan is from Blue Shield, but they dropped from 11 to number 13 in the rankings for 2017.

To see the detailed breakdown of the Total Out Of Pocket Costs for the North Los Angeles maternity insurance California options, click here.

The Top Maternity Insurance In Alameda County

2017

  1. Kaiser Permanente Platinum 90 (HMO)
  2. Total Out Of Pocket Costs (TOOPC) = $6,116

  3. Kaiser Permanente Gold 80 (HMO)
  4. $6,288

  5. Sutter Health Plus Platinum MI01 (HMO)
  6. $9,031

  7. Blue Shield Platinum 90 (PPO)
  8. $9,163

  9. Blue Shield Gold 80 (PPO)
  10. $9,770

  11. Anthem Blue Cross Platinum 90 (EPO)
  12. $10,615

Total Out Of Pocket Cost in Oakland California
Based upon a 30 year old woman living in Berkeley, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more).

The average vaginal childbirth in the Bay Area costs $21,432. The average cesarean childbirth costs $28,335.

The biggest change between 2016 and the 2017 Obamacare maternity options is that the price to have a baby went up between $216 to $2197. This is a large increase. The Kaiser increases are the lowest, and Blue Shield has the largest premium increase.

In Alameda County, you are forced to decide between Kaiser Permanente or using your OB/GYN at the hospital of your choice for a much higher price. The difference between Kaiser and the lowest PPO option from Blue Shield is $3047.

To see the detailed breakdown of the Total Out Of Pocket Costs for the Oakland maternity insurance California options, click here.

Top Maternity Insurance In Santa Clara County

2017

  1. Valley Health Plan Platinum 90 (HMO) CoveredCA Only
  2. Total Out Of Pocket Costs (TOOPC) = $5,624

  3. Valley Health Plan Gold 80 (HMO) CoveredCA Only
  4. $5,760

  5. Kaiser Permanente Platinum 90 (HMO)
  6. $6,116

  7. Kaiser Permanente Gold 80 (HMO)
  8. $6,288

  9. Blue Shield Gold 80 (HMO)
  10. $6,996

  11. Anthem Blue Cross Gold 80 (HMO)
  12. $7,032

  13. Anthem Blue Cross Platinum 90 (HMO)
  14. $7,520

  15. Anthem Blue Cross Platinum 90 (PPO)
  16. $8,324

  17. Sutter Health Plus Platinum Individual 90 (HMO)
  18. $8,600

  19. Health Net Platinum 90 (EPO)
  20. $9,356

  21. Blue Shield Gold 80 (PPO)
  22. $10,409

Total Out Of Pocket Cost in San Jose California
Based upon a 30 year old woman living in Santa Clara county, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more).

A vaginal childbirth in Santa Clara costs $17,607 on average. A cesarean childbirth costs $25,422.

The price increase between 2016 and the 2017 Affordable Care Act maternity plans is from $36 to $2,697.

The price difference between the top HMO plans and the lowest cost PPO plan is $2700. That makes the flexibility of a PPO network costly for maternity purposes. Determining which networks your OB/GYN accepts is critical in Santa Clara County.

To see the detailed breakdown of the Total Out Of Pocket Costs for the Santa Clara maternity insurance California options, click here.

Top Maternity Insurance Plan In San Francisco County

2018

  1. Kaiser Permanente Plat 90 (HMO)
  2. Total Out Of Pocket Costs (TOOPC) = $6,762

  3. Chinese Community Health Plan Plat 90 (HMO)
  4. $6,771

  5. Chinese Community Health Plan Gold 80 (HMO)
  6. $6,884

  7. Kaiser Permanente Gold 80 (HMO)
  8. $6,910

  9. Oscar Health Gold 80 (EPO)
  10. $8,320

  11. Blue Shield Gold 80 (HMO)
  12. $8,480

  13. Oscar Health Plat 90 (EPO)
  14. $8,896

  15. Sutter Health Plus Plat Individual MI01 (HMO)
  16. $9,661

  17. Sutter Health Plus Gold Individual MI02 (HMO)
  18. $11,034

  19. Blue Shield Gold 80 (PPO)
  20. $11,750

  21. Health Net Plat 90 (EPO)
  22. $11,931

  23. Blue Shield Plat 90 (PPO)
  24. $12,051

Total Out Of Pocket Cost in San Francisco California
Based upon a 30 year old woman living in San Francisco, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more).

A vaginal childbirth in San Francisco costs $21,871 on average. A cesarean childbirth costs $29,384.

In 2018, Chinese Community Health and Kaiser Permanente still hold the top spots in San Francisco County.

Oscar Health offers the lowest cost EPO plan in this area. Their Gold EPO plan will cost $1,558 more than the lowest cost HMO plan. The trend of PPO/EPO rate increases being greater than HMO increases is continuing. The smallest EPO/PPO cost increase was $916 and the largest was $1,864. Meanwhile, the HMO cost increases ranged from $150 to $413.

Blue Shield of California also introduced an HMO option in San Francisco County. These HMO plans are lower cost than Blue Shield’s PPO plans, but the network is also smaller. You will need to check to see if your OB/GYN is in the Blue Shield HMO network.

Obamacare requires you make a choice between staying with your Obstetrician and paying a higher price for PPO/EPO coverage, or opting to pay less by selecting a physician from a smaller HMO network.

To see the detailed breakdown of the Total Out Of Pocket Costs for the San Francisco maternity insurance California options, click here.

Best Maternity Insurance Plan In San Mateo County

2017

  1. Kaiser Permanente Plat 90 (HMO)
  2. Total Out Of Pocket Costs (TOOPC) = $6,548

  3. Chinese Community Health Plan Plat 90 (HMO)
  4. $6,956

  5. Kaiser Permanente Gold 80 (HMO)
  6. $6,684

  7. Chinese Community Health Plan Gold 80 (HMO)
  8. $7,056

  9. Blue Shield Gold 80 (HMO)
  10. $8,496

  11. Sutter Health Plus Plat Individual (HMO)
  12. $9,511

  13. Anthem Blue Cross Plat 90 (EPO)
  14. $10,375

  15. Anthem Blue Cross Gold 80 (EPO)
  16. $11,210

  17. Blue Shield Plat 90 (PPO)
  18. $11,347

  19. Blue Shield Gold 80 (PPO)
  20. $11,486

  21. Health Net Gold 80 (EPO)
  22. $12,054

Total Out Of Pocket Cost in Daly City California
Based upon a 30 year old woman living in Daly City, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more).

A vaginal childbirth in San Mateo costs $21,432 on average. A cesarean childbirth costs $28,335.

The most notable differences between 2016 and 2017 in this region is the dramatic swings in pricing that occurred. The range of price increases for 2017 was $240 to $3,742. The EPO/PPO rate increases were towards the high end, primarily due to the change we made in the childbirth cost estimates.

Other changes are that Blue Shield introduced an HMO network in San Mateo. The rates in this HMO network are right behind those from Kaiser and Chinese Community. Anthem Blue Cross changed their PPO network to an EPO network. Effectively eliminating any out-of-network benefits you would get.

HMO plans still dominate in San Mateo county. The best of the PPO plans requires that you pay $3,827 more than the lowest cost HMO plan. That is a lot of money for the flexibility of having a PPO network.

To see the detailed breakdown of the Total Out Of Pocket Costs for the Santa Clara maternity insurance California options, click here.

    Top Maternity Insurance In Mariposa, Merced, San Jaoquin, Stanislaus, and Tulare County

    2017

  1. Kaiser Permanente Plat 90 (HMO)
  2. Total Out Of Pocket Costs (TOOPC) = $5,396

  3. Kaiser Permanente Gold 80 (HMO)
  4. $5,448

  5. Anthem Blue Cross Plat 90 (PPO)
  6. $7,225

  7. Blue Shield Gold 80 (HMO)
  8. $7,260

  9. Sutter Health Plus Plat Individual (HMO)
  10. $7,345

  11. Anthem Blue Cross Gold 80 (PPO)
  12. $7,934

  13. Blue Shield Platinum 90 (HMO)
  14. $7,988

  15. Sutter Health Plus Gold Individual (HMO)
  16. $8,150

  17. Blue Shield Gold 80 (PPO)
  18. $9,206

  19. Health Net Plat 90 (EPO)
  20. $9,433

  21. Health Net Gold 80 (EPO)
  22. $9,842

Total Out Of Pocket Cost in Merced California
Based upon a 30 year old woman living in Stockton, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more).

A vaginal childbirth in San Joaquin county costs $16,092 on average. A cesarean childbirth costs $21,759.{California averages}

The big change between 2016 and 2017 is how much the rates went up in this San Joaquin Valley region. The rate increases ranged from $192 to $2,109. The HMO plans tended to have lower price increases compared to the PPO plans.

In this region, Kaiser Permanente is easily the best option if you want to deliver a baby for the smallest cost.

Blue Shield of California introduced a set of HMO plans that can be a good option if your doctor is in that network. Anthem Blue Cross again has the best PPO option in this region with their Platinum 90 PPO.

To see the detailed breakdown of the Total Out Of Pocket Costs for the Merced maternity insurance California options, click here.

Top Maternity Insurance In Monterey, San Benito, Santa Cruz County

2017

  1. Kaiser Permanente Platinum 90 (HMO)
  2. Total Out Of Pocket Costs (TOOPC) = $6,116

  3. Kaiser Permanente Gold 80 (HMO)
  4. $6,288

  5. Blue Shield Gold 80 (HMO)
  6. $6,600

  7. Blue Shield Plat 90 (HMO)
  8. $7,172

  9. Health Net Plat 90 (EPO)
  10. $9,764

  11. Health Net Gold 80 (EPO)
  12. $10,289

  13. Blue Shield Gold 80 (PPO)
  14. $10,637

  15. Anthem Blue Cross Plat 90 (PPO)
  16. $10,784

  17. Anthem Blue Cross Gold 80 (PPO)
  18. $11,117

Total Out Of Pocket Cost in Santa Cruz California
Based upon a 30 year old woman living in Monterey county, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more).

A vaginal childbirth in California costs $16,092 on average. A cesarean childbirth costs $21,759.{California averages}

The most notable change in 2017 is that United Healthcare is gone, and Blue Shield of California and Kaiser Permanente are now offering HMO maternity insurance plans in this region.

The cost to have a baby in this region is between $300 to 3,465 higher in 2017.

To see the detailed breakdown of the Total Out Of Pocket Costs for the Monterey maternity insurance California options, click here.

Best Maternity Insurance Plans In Riverside & San Bernadino Counties

2017

  1. Health Net Platinum 90 (HMO)
  2. Total Out Of Pocket Costs (TOOPC) = $4,484

  3. Health Net Gold 80 (HMO)
  4. $4,800

  5. Anthem Blue Cross Platinum 90 (HMO)
  6. $4,904

  7. Anthem Blue Cross Gold 80 (HMO)
  8. $5,400

  9. Blue Shield Platinum 90 (PPO)
  10. $6,782

Total Out Of Pocket Cost in Palm Springs California
Based upon a 30 year old woman living in Riverside county, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more).

A vaginal childbirth in Riverside county costs $12,623 on average, and a cesarean childbirth costs $14,106.

In 2017 the best maternity plans have HMO networks in Region 17. Because of this, finding a good pregnancy PPO plan that your doctor accepts might be challenging.

The best PPO options are from Blue Shield of California. The Anthem Blue Cross and Health Net PPO networks are more than $1,000 more than the Blue Shield’s PPO.

To see the detailed breakdown of the Total Out Of Pocket Costs for the Riverside maternity insurance California options, click here.

Top Maternity Insurance Plans In Sacramento, Yolo, Placer & El Dorado Counties

2017

  1. Kaiser Permanente Platinum 90 (HMO)
  2. Total Out Of Pocket Costs = $5,972

  3. Kaiser Permanente Gold 80 (HMO)
  4. $6,156

  5. Western Health Advantage Platinum 90 (HMO)
  6. $6,548

  7. Western Health Advantage Gold 80 (HMO)
  8. $6,660

  9. Sutter Health Plus Platinum Individual MI01 (HMO)
  10. $7,735

  11. Blue Shield Gold 80 (HMO)
  12. $7,824

  13. Health Net Platinum 90 (HSP)
  14. $8,077

  15. Blue Shield Platinum 90 (HMO)
  16. $8,684

  17. Sutter Health Plus Gold Individual MI02 (HMO)
  18. $9,003

  19. Anthem Blue Cross Platinum 90 (EPO)
  20. $9,607

  21. Blue Shield Gold 80 (PPO)
  22. $10,455

  23. Anthem Blue Cross Gold 80 (EPO)
  24. $10,467

  25. Health Net Gold 80 (HSP)
  26. $10,775

Total Out Of Pocket Cost in Sacramento California
Based upon a 30 year old woman living in Sacramento county, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more)

A vaginal childbirth in Sacramento county costs $20,596 on average, and a cesarean childbirth costs $32,729.

The major difference between 2016 and 2017 Obamacare maternity plans in this region is that the PPO plans had substantial cost increases. For example, the largest increase was the Blue Shield Gold 80 PPO plan at $3,319. While the smallest change happened on the Kaiser Platinum 90 HMO plan with a $216 increase.

In region 3 Blue Shield introduced a new HMO network, and Anthem changed it’s PPO network to an EPO network. The cost of a childbirth in this region is above the average cost for the state as a whole. Therefore, you live in a region with higher than average costs.

the cost difference between the best HMO and PPO pregnancy plans is now $1,435. This is a heavy price to pay for the flexibility of being able to pick your own doctor using a PPO plan.

To see the detailed breakdown of the Total Out Of Pocket Costs for the Placer maternity insurance California options, click here.

Top Maternity Insurance Plans In Napa, Sonoma, Marin, & Solano Counties

2017

  1. Western Health Advantage Platinum 90 (HMO)
  2. Total Out Of Pocket Costs = $5,612

  3. Kaiser Permanente Platinum 90 (HMO)
  4. $5,972

  5. Western Health Advantage Gold 80 (HMO)
  6. $6,252

  7. Kaiser Permanente Platinum 90 (HMO)
  8. $6,260

  9. Kaiser Permanente Gold 80 (HMO)
  10. $6,420

  11. Health Net Platinum 90 (EPO)
  12. 10,051

  13. Blue Shield Gold 80 (PPO)
  14. $10,538

  15. Anthem Blue Cross Platinum 90 (PPO)
  16. $10,603

  17. Health Net Gold 80 (EPO)
  18. $10,970

  19. Anthem Blue Cross Gold 80 (PPO)
  20. $11,402

Total Out Of Pocket Cost in Santa Rosa California
Based upon a 30 year old woman living in Sonoma county, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more)

A vaginal childbirth in Napa county costs $21,432 on average, and a cesarean childbirth costs $28,335.

The most notable difference between 2015 and 2016 Obamacare maternity plans in this region is that the PPO plans had substantial cost changes while the HMO plans had small changes. For example, the largest increase was the Blue Shield Platinum 90 EPO plan at $1,680, and the Health Net Platinum 90 EPO plan had the largest cost decrease of $1,176. The HMO plans in this region had much lower cost increases, ranging from $156 to $288.

In region 2 the cost difference between the best HMO and PPO pregnancy plans is now $1,740. This is a heavy price to pay for the flexibility of being able to pick your own doctor using a PPO plan.

To see the detailed breakdown of the Total Out Of Pocket Costs for the Napa maternity insurance California options, click here.

Top Maternity Insurance Plans In Kern County

2016

  1. Health Net Platinum 90 (HMO)
  2. Total Out Of Pocket Costs = $4,472

  3. Health Net Gold 80 (HMO)
  4. $4,800

  5. Kaiser Permanente Platinum 90 (HMO)
  6. $4,976

  7. Kaiser Permanente Gold 80 (HMO)
  8. $5,328

  9. Blue Shield Gold 80 (PPO)
  10. $5,864

  11. Blue Shield Platinum 90 (PPO)
  12. $5,932

  13. Anthem Blue Cross Platinum 90 (PPO)
  14. $5,980

  15. Anthem Blue Cross Gold 80 (PPO)
  16. $6,248

Total Out Of Pocket Cost in Bakersfield California
Based upon a 30 year old woman living in Kern county, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more)
The most notable difference between 2015 and 2016 Obamacare maternity plans in this region is that the PPO plans had larger cost changes while the HMO plans had small changes. For example, the largest increase was the Blue Shield Platinum 90 PPO plan at $732, and the Health Net Platinum 90 HMO plan had the largest cost decrease of $1,020. The HMO plans in this region had much lower cost increases, ranging from $156 to $288.

In region 14 (Kern County) the cost difference between the best HMO and PPO pregnancy plans is now $1,392. This is a heavy price to pay for the flexibility of being able to pick your own doctor using a PPO plan. However, the total out of pocket cost for the best PPO plan ($5,328) is still significantly lower than in northern regions of California.

To see the detailed breakdown of the Total Out Of Pocket Costs for the Napa maternity insurance California options, click here.

Top Maternity Insurance Plans In Ventura

2017

  1. Blue Shield Platinum 90 (PPO)
  2. Total Cost = $8,129

  3. Blue Shield Gold 80 (PPO)
  4. $8,219

  5. Anthem Blue Cross Platinum 90 (PPO)
  6. $8,525

  7. Anthem Blue Cross Gold 80 (PPO)
  8. $8,939

Total Out Of Pocket Cost in Ventura County California
Based upon a 30 year old woman living in Oxnard, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more).

A vaginal childbirth in Ventura county costs $15,298 on average, and a cesarean childbirth costs $21,759.

This region of California has few choices for pregnancy insurance coverage. Only Anthem Blue Cross and Blue Shield of California offer plans in this region.

The two carriers rate increases in 2017 made the Blue Shield plans the better maternity choice this year.

To see the detailed breakdown of the Total Out Of Pocket Costs for the Santa Barbara maternity insurance California options, click here.

Top Maternity Insurance Plans In Shasta, Del Norte, Alpine, Siskiyou, Modoc, Lassen, Trinity, Humboldt, Tehama, Plumas, Nevada, Mendocino, Lake, Butte, Glenn, Sutter, Yuba, Colusa, Amador, Calaveras, Tuolumne, and Sierra Counties

2017

  1. Anthem Blue Cross Platinum 90 (EPO)
  2. Total Cost = $8,599

  3. Anthem Blue Cross Gold 80 (EPO)
  4. $9,615

  5. Blue Shield Platinum 90 (PPO)
  6. $9,679

  7. Blue Shield Gold 80 (PPO)
  8. $10,083

Total Out Of Pocket Cost in Ventura County California
Based upon a 30 year old woman living in Oxnard, including 12 months of premiums, a full 9 months of regular prenatal care, and a standard hospital delivery (C-section delivery would cost more).

A vaginal childbirth in Ventura county costs $15,298 on average, and a cesarean childbirth costs $21,759.

This region of California has few choices for pregnancy insurance coverage. Only Anthem Blue Cross and Blue Shield of California offer plans in this region.

The two carriers rate increases in 2017 made the Blue Shield plans the better maternity choice this year.

To see the detailed breakdown of the Total Out Of Pocket Costs for the Santa Barbara maternity insurance California options, click here.

…..

We’ve switched from using a generic $10,000 delivery cost estimate to more detailed Childbirth estimates provided by Guroo.com. Using this tool we can get average costs in various regions of California, and use those costs in the total cost estimates shown in the tables above.

The overall effect of Obamacare on maternity health insurance in California has mostly been neutral. The new health care reform offerings with the lowest total cost are typically HMOs. This makes searching to see if your doctor is in an HMO network very important.

There are few low-cost PPO options, and many Ob/GYNs are in only one or two PPO networks (or none of the HMO networks), so the selection of a good plan is more important than ever.


Golden Gate Bridge in California


How To Select The Best California Maternity Insurance

To make sure you get the right maternity plan for your needs, follow the simple steps outlined below. They will make it easy and help you select the right plan and complete your application for coverage.

  1. Use the maternity plans listed above as your starting point to identify several insurance company options
  2. Search for your doctor in the provider directory search tools, to determine if they accept the plans you choose. (Or call your doctor and ask if they accept the plans you’ve selected from the above lists)
  3. Determine if you can qualify for a subsidy
  4. Run a California maternity insurance quote to see what the price is for the plans your doctor accepts.
  5. Use the “Apply Now” link in your quote if you do not qualify for a subsidy. If you are subsidy qualified, then go here to get help with your Covered California application.

If you need help determining which Obamacare plans are the best in your region of California, or you are having difficulties checking on the networks your doctor accepts, or you want help with your application, call us and we’ll help you. If you have any questions contact us.


Planning Tips For Pregnancy Health Insurance

If you are planning to have a baby and can “time” when you have the baby, there are some ways you can reduce your overall costs for health insurance with maternity coverage in California. We do this by considering the full pregnancy as being composed of two time frames.

  1. The Prenatal Period
  2. Delivery Time

During the Prenatal Period, you will primarily have multiple office visits. Each doctor visit will require some lab tests to check on the health of you and the baby. In Bronze, Silver, Gold, and Platinum coverage, these prenatal visits and the labs are covered as preventive care. Therefore it does not make a difference which plan you choose if you have a normal prenatal period.

If there are any complications or abnormal health issues that arise during the prenatal period, the extra tests and medical services will be covered based on the standard benefits of your health coverage.

Therefore, Silver is the ideal coverage for the prenatal period.

At Delivery Time we know there will be a large cost associated with delivery in a hospital. Ideally you want a plan with NO deductible, and a fixed co-payment for the hospital costs. Therefore, Gold and Platinum HMO maternity plans are best. Usually Platinum plans will have a better “benefit versus cost ratio” than the Gold plans.

Therefore, Platinum plans are the best maternity health insurance California plans for delivery.

From a timing standpoint, if you know that you can wait until at least April or May to get pregnant, then you can select a Silver plan at the beginning of the year. During the next year’s open enrollment period in the fall, you can then move into a Platinum plan for delivery the next year.

Timeline to get maternity health insurance California
Pick The Best California Insurance For Maternity Based On When You Expect To Deliver The Baby

Once the baby is born, that creates a Special Enrollment Period. During the 60 days after the baby is born you can switch from the higher cost Platinum delivery plan to a lower cost Silver or Bronze plan (depending upon your needs).

This way you can take advantage of the full benefits of the Affordable Care Act rules.

In Summary: You get to use Platinum benefits for the delivery, and then immediately move back into a lower cost plan.


Need Maternity Insurance? Already Pregnant California Woman Are Saved By Obamacare

In the last 12 years, we have received thousands of calls from women who were pregnant and looking for health insurance. Until Obamacare we’ve had limited ability to help them get coverage. Obamacare changed that.

The Affordable Care Act removed the “pre-existing condition” exclusion so that pregnant women can get California health insurance with maternity coverage. During the yearly open enrollment periods you can select any policy you want. Even if you are pregnant at that time.

You must make sure to sign up for a plan during the open enrollment periods. Outside of open enrollment, getting pregnant is not a “qualifying event” that would allow you to apply for coverage. If you become pregnant without insurance, you will either have to qualify for Medi-Cal or Access For Infants & Mothers (AIM), or pay for your care until the beginning of the next year when you can enroll for pregnancy insurance.


Maternity Insurance Plans Need These Key Benefits

A standard pregnancy has 14 prenatal office visits, various lab tests performed during each office visit, amniocentesis, and 1 or 2 ultra-sound. In California, these prenatal services are now considered “preventive.”

After the prenatal period the next big cost is the actual delivery. A typical delivery is a 2 day hospital stay that can cost between $8,000 to $12,000, and a C-section requires 3 days. With these standard services in mind, the key benefits that a good maternity plan will provide, are the following:

  1. Unlimited Doctor Office Visits for a Copay
  2. You’ll have a $0 copay for these visits in Bronze, Silver, Gold, and Platinum policies.

  3. Low Deductible or No Deductible
  4. At some point, your baby will be born, and when that time comes, you have to reach the deductible before your insurance company begins paying for any part of the delivery costs if you have a PPO plan. HMO plans do not have a deductible.

  5. Small Out Of Pocket Maximum
  6. Once you meet the deductible, you begin sharing costs (co-insurance) with the insurance company until you reach your out-of-pocket maximum. All the Bronze, Silver, and Gold policies have a $6,350 out-of-pocket maximum. Only the Platinum plan has a lower limit at $4,000.

  7. Fixed Copay for Hospital Stays
  8. Some plans, HMOs, require a co-payment for inpatient care at a hospital while others, PPOs, require the co-insurance mentioned above. The HMO co-payment is usually on a per-day basis. An HMO maternity plan with a lower per-day co-pay will minimize your costs more than a PPO policy.

  9. Fixed Copay for Lab Tests and Imaging
  10. During each prenatal office visit your doctor will order lab tests to check on your health and the health of your baby. As long as your pregnancy is normal, then the lab tests will be considered preventive and no additional cost regardless of your plan.

    If there are potential issues, then diagnostic tests will need to be covered. Bronze plans make the diagnostic lab tests part of your deductible, while Silver, Gold, and Platinum plans offer co-pays for lab tests.

  11. Affordable Monthly Premium
  12. The monthly premium is a big part of the total out of pocket cost to have a baby. Having a lower premium can help, but only if you are comparing similar plans. All Platinum Co-payment plans have the same benefits, so the lowest cost Platinum Co-payment plan that your doctor accepts could be the best plan for you.

These benefits are all important, but the largest reduction in overall costs can typically be obtained by picking a plan that reduces the delivery costs to a co-pay. This makes HMO plans the best option in most areas.

If having the flexibility of a PPO plan is important, then you must pick a plan with the lowest out-of-pocket maximum, co-insurance percentage, and deductible. PPO plans are typically used when a specific doctor is wanted, and that physician is not part of a major medical group.

Depending upon what time of the year you plan to begin trying to get pregnant, there are some strategies that can help lessen the insurance costs. See the section titled Planning Tips For Pregnancy Health Insurance Plans below.

Finally, the maternity insurance plans and prices are different in most regions of California, so analysis of the specific maternity plans in your area is important.






24 Comments

  1. Hi,

    Are these Kaiser plans only available to women who are currently enrolled with Kaiser insurance but are needing to switch to cover their maternity expenses? I’m a bit confused. I am in Napa County in California without any health insurance and pregnant. Am I eligible for the Plantinum insurance? Or what are my options? I desperately need help and confused with all the information.

    1. Author

      Hazel,

      You do not need to be currently enrolled in a Kaiser plan in order to apply for a Platinum or Gold plan with Kaiser. During OEP you can enroll in any plan offered by an insurance company. There are no pre-existing condition requirements, so your pregnancy does not affect your ability to enroll.

      Since you already know you want a Kaiser Permanente health plan for your delivery, the main question is “can you qualify for premium assistance based on your household Adjusted Gross Income.” Is so, then we’ll want to apply for your Kaiser health plan through Covered CA so you can receive premium assistance. The income limits for assistance are shown here : https://spfinsurance.com/california-health-care-reform/subsidy/

      Let us know if you have any questions. We’re always here to help you.

      Tim

  2. Hello,

    I am pregnant and without health insurance. I’m a bit confused about health insurance and what I’m eligible for. Am I eligible to enroll for the Kaiser Plantinum plan? I’m in California the Napa County. Any help is much appreciated.

    Thank you!

    Hazel

    1. Author

      Hi Hazel,

      Getting health insurance can be confusing just by itself, and even more so when you are pregnant and know there is a costly medical event coming in the future when your baby is born.
      During this Open Enrollment Period (OEP) you can enroll in any health plan you want. The OEP started Nov 1st and ends on Jan 31, 2018.
      Since Kaiser does operate in Napa County, you are eligible to enroll in a Kaiser health insurance plan.

      Tim

  3. Hi Tim,

    All your work is very helpful, thank you so much!

    I live in Northern California and I am looking at getting kaiser insurance. My husband and I hope to get pregnant in Feb 2018, which means a delivery around end of November or in December.
    Since that change might happen before delivery, should I choose a Kaiser platinum HMO plan to ensure the least amount paid over the next year for the pregnancy medical costs?

    Any tips would be greatly helpful!

    1. Author

      Hi Julie,

      If you will deliver in November or December of 2018, then you should enroll in a delivery plan.
      The only way to change plans outside of the open enrollment period is if you experience a Qualifying Event.
      Unfortunately, getting pregnant is not a qualifying event. So this Open Enrollment is your opportunity
      to enroll in a Gold/Platinum delivery plan.
      Hope this helps,

      Tim

  4. Hi there Tim,
    I am currently pregnant due in march 2018, as of now i have the KAISER SILVER 94 HMO PLAN. Which is great for now. But should i change my plan when open enrollment is available to a platinum plan?

    1. Author

      Brittney,
      This is a great question!
      In the Silver 94 HMO plan your hospital costs for the delivery are 10% up to a maximum of $1000.
      In a Platinum 90 co-pay plan you would pay $250/day with a typical delivery being 2 days, so a total of $500.
      If the cost of the Platinum plan is more than $500 higher than the cost of the Silver 94 plan, then you are better off staying in the Silver 94 plan.
      Since the price of both plans is based on where you live and your age, I can’t tell you which plan is better. However, my guess is that the Silver 94 plan will be the winner.
      Hope this helps.
      Tim

  5. We currently have a Silver HMO plan through Health Net (San Diego County).

    We are wanting to get pregnant in the next few months, so we should keep our silver plan until open enrollment for 2018 and switch over to a platinum plan for delivery. is this correct?

    1. Author

      Derrik,

      That is what we recommend.
      There are some changes that are happening to the rules for 2018 that could prevent the mother from changing her health plan after the baby is born. The proposed rules are changing the qualifying event of having a baby to mean that only the baby can be enrolled in a plan. The rest of the family must stay in their current plans until open enrollment.

      We’ll keep an eye on this and update the information on this maternity insurance page once we know the rules are officially changed.

      1. Do you happen to know if the rules have changed on this yet? I’m due mid January and don’t want to sign up for a Platinum plan if I won’t be able to downgrade after giving birth. Thanks so much!

        1. Author

          Angela,
          Many of the carriers have switched to allowing only the date of the baby’s birth as the start date for a plan change. They will allow both mother and baby to change plans. However, if you downgrade from a Platinum plan to a Silver plan on the date of birth, the Silver plan may become the plan that the carrier uses to pay your hospital bills.

          A key piece of data to look at is the following: what is the delivery cost in a Silver plan versus the added premiums of a Platinum plan and it’s delivery costs. The plan lists above provide the average delivery costs in each area of CA.

          In a Silver plan you are responsible for the $2,500 deductible, and then you pay 20% of the remaining delivery costs. If the delivery is $15,000 then you would pay 2500 + .2 * (15000-2500) = $5,000. If you are in a Platinum HMO plan then the delivery cost is $500. You are paying $4,500 more for the delivery in a Silver plan. If the cost difference between the Platinum and Silver plan is less than $4,500 then you will be better off in a Platinum plan.

          Right this moment, Covered CA is still allowing Mom and baby to change plans and get a first of the month after the baby is born start date. This can only be done using a broker because the Covered CA application does not provide the option to consumers.

          Second option: since you will be giving birth during the open enrollment period, as long as you reapply before the end of January 2018, you can change to any plan and the new plan will start on March 1st.

          Hope this helps in your decision. If you have any questions please feel free to call us.

          Tim Thompson

      2. Great article and information Tim, thank you. Any updates on the proposed rule changes for 2018? I am currently pregnant and due April 2018. I have Blue Shield Silver PPO now and just want to make sure that if I enroll for Platinum for 2018, that I will be able to switch back after baby is born.

        1. Sorry, forgot to mention that my husband is also on the plan.

          1. Author

            Winnie,
            Your husband should not be on the same plan as you unless he needs the same level of care.
            Tim

        2. Author

          Winnie,

          See my answer below to Angela. Your situation will be similar to her’s except that you won’t be able to switch back because of the open enrollment period.

          If the yearly premium cost difference between a silver and platinum plan is less than the difference in cost for the delivery in both plans, then a “delivery” plan (Platinum) will be a better option. Even if you are not able to downgrade when the baby is born.

          As an additional tidbit, the cost numbers in the maternity plan tables above show a full year of delivery plan premiums.

          Tim

  6. Thank you for this! It has helped so much. I was hoping to see a Ventura County addition. Do you have any information on that specific county? Thank you!

    1. Author

      Hi Jamie,

      You are the first person from the Santa Barbara and Ventura county area to request the plans there.
      I’ll get to work on it and have the plan analysis published by tomorrow morning.
      Let me know if you have any questions.

  7. Thank you for the information, I live in California, right now I have a bronze plan in covered CA, but I’m planning to get pregnant at the end of the year, if I get the same bronze plan, can I have access to the government programs for pregnant women? or should I chose an “upgraded” plan for next year?

    1. Author

      Ivonne,

      Your ability to qualify for the Medi-Cal Access Program or the Pregnancy Related Medi-Cal is completely dependent on your household Adjusted Gross Income (AGI). If you can qualify for either program, then those programs will be a better “financial” decision in terms of reducing your out-of-pocket cost for the pre-natal and delivery costs.

      Check our subsidy table for 2017 to determine if you can qualify for the Medi-Cal programs based on what you expect to earn in 2017, and what your current income is (last 3 months).

      If you can qualify, then I would recommend staying in the Bronze plans. Once you become pregnant we can report your new status to Covered CA and that will start the process of evaluating your Medi-Cal eligibility, and then transitioning to Medi-Cal.

      If you do not qualify, then I would recommend selecting a delivery plan for 2017. We will be updating the above maternity plans in the next couple weeks, once the new plans and pricing are available.

  8. Thank you for writing this article! Has definitely been helpful for me! My husband and I are looking to get pregnant next year so are wanting to change our health plan to make the cost as minimum as possible. & I’m originally from Canada so all of this health care stuff is very confusing to me!!

    1. Author

      I’m glad this was helpful for you. We update the tables every year when the new rates and plans become available.
      We will begin updating with 2017 data during the first couple weeks of November.
      Once the updated tables are ready, would you do us a favor and use the “apply now” links inside the quotes to enroll in your new coverage? The rate you will pay is exactly the same as if you went straight to the insurance company or Covered CA. Using our links enables the insurance companies to pay SPF Insurance for helping you enroll in a health plan. That way we can keep providing this type of information to everyone that visits our website.
      Let us know if you have any questions.

  9. This good and thanks for care of mothers.
    I am visitor and I am pregnant can I use the Obamascare or maternity insurance.

    1. Author

      Rangina,
      Health insurance plans in California can be used by any resident of the state.
      Your definition of “visitor” will determine if it is possible to get health insurance. The assumption from the insurance companies is that you are a person that is and will be living in California and establish a residence in the state while you are here. This means being able to show a lease/rental/purchase agreement for a living space, and/or utility bills for your address. Plus the ability to show you have a visa that allows you to be in California for a longer period of time.
      Someone that is just using a visitor’s visa (less than 6 months) will not be able to get health insurance.
      As long as you sign up for maternity insurance during this open enrollment period, you will be accepted. The open enrollment period will end on 1/31/16.

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