Health insurance rules and regulations, and plan options vary in each state. Try to check if your state allows for preconception and maternity coverage for individual insurance health plans. It also depends on your age. Some plans only cover women who are under 40 yeas old. You might prefer plans with high deductibles or co-pays. In this case, you might have epenses left when you deliver your child. You can easily pay them using short-term disability benefits and hospital indemnity insurance. Both these insurances pay you with cash to resolve delivery costs and epenses during maternity leaves. Generally, some individual insurance plans that cover maternity is similar to that of a pre-payment plan, but they aren't really like insurance. It usually costs $300 a month. You also have to wait a year before you can get pregnant for the plan to cover your pregnancy. — May 25, 2009 @ 1:11 pm