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Pregnancy, birth and the first year in Washington, in 14 topics: from who runs maternal and child health to what happens at your newborn's screening.

Insurance

  1. State Plans and Programs

a. Washington Apple Health (Medicaid) for Pregnant Individuals
Washington Apple Health provides free or low-cost health coverage for pregnant individuals, regardless of citizenship or immigration status, as long as income requirements are met. Covered services include prenatal and postpartum care, delivery services, hospital stays, and infant care up to one year after birth. Eligibility is based on income and household size.

b. Apple Health for Kids (CHIP)
Apple Health for Kids offers free or low-cost coverage for children up to age 19. It provides comprehensive care, including prenatal visits, ultrasounds, and delivery services for eligible pregnant individuals under the "unborn child" option.

  1. Employer-Sponsored Plans

Pregnant individuals can enroll in coverage through their own employer or a spouse’s job. Many employers offer health insurance that includes maternity and newborn care, typically covering prenatal visits, ultrasounds, labor and delivery, and postpartum care.

  1. Health Insurance Marketplace

Through the Washington Healthplanfinder, pregnant individuals can explore various health insurance plans that cover pregnancy and childbirth. Under the Affordable Care Act (ACA), all marketplace insurance plans are required to cover maternity and newborn care as essential health benefits. Washington residents can compare and enroll in plans through the state marketplace at Washington Healthplanfinder.

  1. Private/Individual Insurance Plans

Private health insurance purchased outside the marketplace may also provide coverage, though benefits can vary. A parent’s health insurance plan (if that plan offers dependent coverage) can also cover pregnant dependents before their 26th birthday. Employer-sponsored coverage for dependents usually ends during the month of the child’s 26th birthday. If the dependent is covered under their parent's Marketplace plan, the dependent can stay on their parent's plan until December 31 of the year they turn 26.

  1. Other Assistance Programs

a. Indian Health Service (IHS)
American Indian and Alaska Native individuals are eligible for healthcare services through the Indian Health Service (IHS) or tribal health organizations, which include maternity and childbirth care. Services are typically free or low-cost. Learn More

b. Sliding Fee Scale Clinics
Federally qualified health centers (FQHCs) and community health clinics offer maternity care at reduced costs based on income.

For assistance navigating insurance options, Washington residents can contact local health navigators or Certified Application Counselors through the Washington Healthplanfinder. or call 1-855-923-4633

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