Insurance companies will consider pregnancy as eisting from the date of conception. This can date can easily be determined your physician and will be part of your medical records, which your insurance company will have access to. If you do become pregnant prior to starting coverage under an Individuals plan, you will be obligated to inform the insurance company of this. Failure to do so will likely result in the rescission of your coverage, leaving you uninsured. Claiming that you were not aware that you were pregnant will not be an acceptable defense if this were to become an issue. Furthermore, most Individuals plans that offer maternity benefits will have a waiting period for maternity benefits. A common waiting period is 12 months. If you leave your current place of employment, you do not have to give up your current insurance. You will be provided with a COBRA option that will allow you to continue insured under this plan, but you will be responsible for paying the premium. - August 4, 2009 @ 2:00 pm