《平价医疗法案》（Affordable Care Act, ACA）是一个联邦法律，为数百万美国人提供健康保险。开放投保期是个人可以注册或更改健康保险计划的时间段。在代孕旅程中，这一时段非常重要，因为它允许代母选择覆盖代孕的保险政策。
根据ACA的规定，任何美国公民或永久居民都可以在开放投保期内申请主要医疗保险，无论他们有任何既往病史，保费都是一样的。代母，即便是因为代孕怀孕，也可以在各自州的开放投保期内报名这种保险。如果你发现现有的健康保险或产科保险不包括代孕怀孕，那么你应该在开放投保期内，前往市场寻找ACA计划。
在代孕旅程中，ACA开放投保期至关重要，因为它为代母和准父母提供了选择覆盖代孕怀孕计划的机会，而这一机会可能仅限于开放投保期内。因此，尽早开始研究是非常重要的，以确定代母当前的保险计划是否友好于代孕，以及ACA计划是否更友好。正如我们在另一篇文章中讨论过的，有些计划包含留置权，这可能会增加代孕旅程的费用，应当避免这些计划。
根据你所在的县，ACA市场可能不提供任何代孕友好的计划。不过，仍有一些选择可供考虑。例如，Lloyd's of London是一家提供代孕怀孕保险覆盖的公司。
以下是各州开放投保期截止日期的表格。
States | Federal Open Enrollment Period for 2024 Plans |
Alabama | November 1, 2023 – January 16, 2024 |
Alaska | November 1, 2023 – January 16, 2024 |
Arizona | November 1, 2023 – January 16, 2024 |
Arkansas | November 1, 2023 – January 16, 2024 |
Delaware | November 1, 2023 – January 16, 2024 |
Florida | November 1, 2023 – January 16, 2024 |
Georgia | November 1, 2023 – January 16, 2024 |
Hawaii | November 1, 2023 – January 16, 2024 |
Illinois | November 1, 2023 – January 16, 2024 |
Indiana | November 1, 2023 – January 16, 2024 |
Iowa | November 1, 2023 – January 16, 2024 |
Kansas | November 1, 2023 – January 16, 2024 |
Louisiana | November 1, 2023 – January 16, 2024 |
Michigan | November 1, 2023 – January 16, 2024 |
Mississippi | November 1, 2023 – January 16, 2024 |
Missouri | November 1, 2023 – January 16, 2024 |
Montana | November 1, 2023 – January 16, 2024 |
Nebraska | November 1, 2023 – January 16, 2024 |
New Hampshire | November 1, 2023 – January 16, 2024 |
North Carolina | November 1, 2023 – January 16, 2024 |
North Dakota | November 1, 2023 – January 16, 2024 |
Ohio | November 1, 2023 – January 16, 2024 |
Oklahoma | November 1, 2023 – January 16, 2024 |
Oregon | November 1, 2023 – January 16, 2024 |
South Carolina | November 1, 2023 – January 16, 2024 |
South Dakota | November 1, 2023 – January 16, 2024 |
Tennessee | November 1, 2023 – January 16, 2024 |
Texas | November 1, 2023 – January 16, 2024 |
Utah | November 1, 2023 – January 16, 2024 |
Virginia | November 1, 2023 – January 16, 2024 |
West Virginia | November 1, 2023 – January 16, 2024 |
Wisconsin | November 1, 2023 – January 16, 2024 |
Wyoming | November 1, 2023 – January 16, 2024 |
State | State Open Enrollment Period for 2024 Plans |
California | November 1, 2023 – January 31, 2024 |
Colorado | November 1, 2023 – January 15, 2024 |
Connecticut | November 1, 2023 – January 16, 2024 |
Idaho | October 15, 2023 – December 15, 2023 |
Kentucky | November 1, 2023 – January 15, 2024 |
Maine | November 1, 2023 – January 15, 2024 |
Maryland | November 1, 2023 – January 15, 2024 |
Massachusetts | November 1, 2023 – January 23, 2024 |
Minnesota | November 1, 2023 – January 15, 2024 |
Nevada | November 1, 2023 – January 15, 2024 |
New Jersey | November 1, 2023 – January 31, 2024 |
New Mexico | November 1, 2023 – January 15, 2024 |
New York | November 1, 2023 – January 31, 2024 |
Pennsylvania | November 1, 2023 – January 15, 2024 |
Rhode Island | November 1, 2023 – January 31, 2024 |
Vermont | November 1, 2023 – January 15, 2024 |
Washington DC | November 1, 2023 – January 31, 2024 |
Washington | November 1, 2023 – January 15, 2024 |
总结来说，《平价医疗法案》（ACA）开放投保期在许多代孕旅程中都十分重要，因为它为准父母和代母提供了选择覆盖代孕怀孕的保险政策的机会，并确保保险中没有代孕排除条款或留置权。如果您是代母或准父母，务必由专业人士审核代母的保险覆盖情况，并在开放投保期内为代母注册主要医疗保险，以确保她在代孕怀孕期间获得保障。
如果您希望确保代孕旅程在法律、财务和医疗方面都顺利进行，请随时联系我们。我们的专家团队在加州、纽约州、伊利诺伊州、华盛顿州、亚利桑那州和俄克拉荷马州都有执照，随时准备为您提供法律指导和支持。
Comments