What paperwork do I need to do after my baby is born?

After your baby is born, you need to: verify the birth certificate at the hospital and order certified copies, apply for a Social Security Number via the Enumeration at Birth program, add your baby to health insurance within 30 days (employer) or 60 days (ACA), file IRS Form 4547 to claim the $1,000 Trump Account, open a 529 college savings plan, create or update your will and beneficiaries, and file for the Child Tax Credit on your tax return.

How long do I have to add my newborn to health insurance?

You have 30 days to add your newborn to an employer-sponsored health plan, or 60 days for ACA Marketplace plans. Birth is a Qualifying Life Event, so coverage is typically retroactive to the birth date. Miss the window and your baby has no coverage until the next open enrollment period.

What is the Child Tax Credit for 2026?

The Child Tax Credit for 2026 is up to $2,200 per qualifying child under age 17, with up to $1,700 refundable. It phases out at $200,000 for single filers and $400,000 for married filing jointly.

What is the Trump Account and how do I get $1,000 for my baby?

A Trump Account is a tax-deferred retirement account for children. For babies born between January 1, 2025 and December 31, 2028, the U.S. Treasury deposits a one-time $1,000 pilot contribution. File IRS Form 4547 for free at form.trumpaccounts.gov.

Do I really need a will now that I have a baby?

Yes. Without a will naming a guardian, a court decides who raises your child if something happens to you. Creating a will takes about 30 minutes and removes a huge amount of uncertainty for your family. Use the will checklist at americankids.org/will.

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