“Insurance” for Pregnant Women in New York Now Available Throughout Pregnancy

According to USA Today, New York Gov. Andrew Cuomo signed a new law last week that will allow pregnant women to enroll in an insurance plan at any point in their pregnancy.  State lawmakers approved the legislation in June.

So, what’s the big deal?  The big deal is that this legislation is forcing insurance carriers to accept something that is more than a risk in granting coverage to pregnant women at any time during their pregnancies.  Claims will be a sure thing from women who are already pregnant.

Pro-choice groups are thrilled with the news.  USA Today reported that NARAL Pro-Choice New York called the law “groundbreaking.” 

“This legislation will expand access to maternity care, including prenatal visits, labor, and delivery, and improve the health of women and children throughout our state,” said Andrea Miller, the group’s president.

But what does everyone else think?  What will this legislation mean for the affordable care act plans in New York that are already failing? (See this article from November.)  I would not want anyone to think I am opposed to pregnant women and their unborn babies getting the care they need, but this legislation is not the answer.  If the insurance co-ops in New York are already failing, how will they sustain another expense like the one that will obviously result from hundreds of pregnant women jumping on “insurance” plans with obvious claims already in hand?

Here’s more from USA Today:

Under the new law, pregnancy will join milestones like marriage, birth and gaining citizenship on a list of “qualifying life events” that allow an insurance seeker to enroll at any point during the year.

“This legislation will help expectant mothers get access to essential pre-natal care and help build a stronger and healthier New York,” Cuomo said in a statement.

The change applies to insurance plans offered through New York State of Health, the state’s insurance marketplace set up under the federal Affordable Care Act. Previously, women could enroll in an insurance plan after a birth, but the new law allows it at any point during the preceding pregnancy.

This new legislation looks like a publicity grab from the left that makes them out to be compassionate and caring for women, but in the long run, it is likely insurance plans will not survive when they are asked to uphold the strain of added subscribers who are not just “risks” in the insurance sense of the word, but they are coming with definite claims in tow.