Health insurance carriers are not required to provide maternity benefits to those who buy their own insurance.  When the Patient Protection and Affordable Care Act became law on March 23, 2010, several insurance carriers eliminated maternity benefits for individual family plan.  Companies such as United HealthCare, Aetna, Humana and Assurant have all done away with maternity coverage all together, leaving consumers with just a few options to choose from.  Also, almost all employer group policies still include maternity coverage.
While the most difficult part of choosing the right maternity option is finding health insurance premiums you can afford, it is important to be sure that the maternity coverage you choose does not fall short when you need it. Maternity coverage must be purchased before you become pregnant and some carriers will impose a separate waiting period. To find what maternity options are available in your state, make sure you contact a health insurance agent to thoroughly explain your choices.
Tip: If you find that maternity coverage is unaffordable ask your agent for a high deductible health plan with a maternity rider which in return will lower your health insurance premiums.