I assume a non grandfathered policy.
They can only change if they are losing their plan by no fault of their own.
Some states have special medicaid rules/acceptance for pregnancy when not covered by the current policy.
I thought open enrollment was extended and that non subsidized plans were year round enrollment. Application was dated before 1st so hopefully it'll go through. Put it with Assurant
Individual plans are subject to open enrollment regardless of where they are sold or who is paying for them.
Open enrollment has not been extended, a short grace period has been granted for those in-process at the exchange to finish their apps. (Unofficially, they are not verifying, so it's acting as if it's a 2-week extension.)
That said, I agree with Yagents, it doesn't look like you'll have a QE. Client is likely stuck there till Nov 15.
The child, when born, will be able to obtain a child-only plan on or off exchange, or be added to the mother's plan. Birth is a qualifying event. Carriers are saying that birth is a "policy change event", as in "couple to family" (adding a dependent), changing the plan or carrier will not be allowed from the sound of it.
Supporting documentation available if you need it, but you'll notice that all terminology refers to "adding a dependent" not "choosing a new plan and carrier at will".
