The only way you will get decent maternity coverage is if you are on a group plan with your employer or husbands employer. I have searched and searched and it is hard to find maternity coverage at all on individual health insurance. I know that Unicare has coverage, but I believe their waiting period is 6 months before you can become pregnant. I don't remember the out of pocket expense on that one. Assurant has coverage, there is a waiting period too as well as a 10 thousand dollar deductible (almost the entire cost of my pregnancy). Ugh, I hate health insurance. I had my last daughter with no insurance and I found that when you tell you OB and hospital you are self pay, you are given a special self pay rate which pretty much comes out to you cost with insurance anyway. Sucks I know, but that is what we experienced having one baby with insurance, and one without. We ended up paying almost the same in each situation.