Question: My husband was laid off from his job. We are offered the COBRA coverage from his previous employer. I will be electing the COBRA coverage because I am 8 months pregnant. My husband and son are going to look into getting an individual family plan instead of electing COBRA through his prior employer.

Is this an option for our family? Can my husband and son get an individual family plan while I am on COBRA along with our newborn (once he is born)? After the birth, and if everything is fine with both myself and newborn would we be able to also change to an individual family plan?