Which statement about newborn coverage is true?

• A. It does not affect coverage
• B. It retroactively covers from birth
• C. It takes effect next year
• D. It covers from the month after birth

Answer: (B)

Newborn coverage is designed so the baby is insured from the moment of birth. The rules make the coverage retroactive to the birth date, as long as you add the newborn to the plan within the allowed enrollment window. This ensures there are no gaps for care that occurs right at birth or during the early days.

So why this is the best choice: it aligns with how newborns are protected under marketplace plans—coverage is effectively in place from birth, not starting later. The other statements would imply the baby isn’t covered at birth or that coverage begins later, which isn’t how newborn coverage is structured.