The fast answer is no. In fact, most individual health insurance plans do not have maternity coverage. The reason is simply, it is very expensive for both the carrier and unfortunately the patient. When looking at the health insurance plans, make sure you research the benefit details to see whether maternity is offered with that particular plan. All the health insurance carriers do offer plans that have maternity coverage, the issue is that it can be very expensive from a monthly premium standpoint.
Also, health insurance carriers know that most people get the health insurance right before they are giving birth and will probably cancel the health insurance afterwards. In these cases, most will be denied. The best thing to do is to get the health insurance before you start planning the pregnancy. As a consumer, the best thing to do is plan ahead and make sure you look at the fine print.