GA HB1149

Health insurers must offer an optional preenrollment period for anticipated newborns or adopted children beginning January 1, 2027, allowing parents to prepare coverage before birth or adoption occurs.

"Anticipated family member" is defined as an individual whose birth or adoption is reasonably anticipated within three months; documentation such as a physician's note, ultrasound, or urine test is required for pregnancy, with adoption documentation to be determined by the Commissioner.

Within 10 business days of receiving preenrollment documentation, insurers must disclose coverage changes (including deductible and premium adjustments) and notify the insured of the existing 31-day post-birth/adoption enrollment period.

Coverage for newly born and adopted children is expanded to explicitly include routine well baby care in addition to injury, sickness, congenital defects, and birth abnormalities.

The preenrollment benefit is subject to the same cost-sharing requirements as other covered benefits, with no special deductibles or limitations; the law does not apply to self-funded ERISA plans.