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No problem, a representative of the New York State of Health assured me.

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With work-based or Obamacare coverage, “If you’re having a new baby, it’s considered a life event, so you can enroll your bundle of joy as soon as it’s born,” rather than waiting for the next open enrollment period, says Joe Mondy, a spokesman for health insurer Cigna.

Under the Affordable Care Act, having a baby is one of the changes classified as a “qualifying life event” allowing you a special enrollment window to make coverage changes.

Some forms of insurance are required by law, while others are optional.

Agreeing to the terms of an insurance policy creates a contract between the insured and the insurer.

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“My family and friends in the States keep asking me who I’m ‘dating’ or if I’m going to be out on a ‘date’ on Saturday night,” she lamented.

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