Becoming pregnant isn't a qualifying life event, but having a baby is. So if you time it right with open enrollment, you certainly could switch to low deductibl

Becoming pregnant isn't a qualifying life event, but having a baby is. So if you time it right with open enrollment, you certainly could switch to low deductible if such an option existed for your insurance plan. The insurance options (4 different providers over the years, 3 BIG players in the game, one self-funded) I've had so far in my fatherhood haven't offered a stepped plan, either (they were all or nothing).