Before July of this year, many individual health insurance plans did not offer maternity coverage. And if you picked a particular plan that had some type of maternity coverage, the coverage was limited and the plan was very expensive. Now, the marketplace has changed a little bit. Whether a direct result of the health reform or not, all carriers are offering plans that cover maternity and it is not at a hefty price.
Many individual health insurance plans have actually become more affordable while offering better benefits. This is usually not the case in the individual health insurance market. Usually when carriers offer better benefits for their health insurance plans, they usually charge you more per month. Many are taking advantage of these great benefits, especially since there is uncertainty because the Supreme Court is scheduled to rule on the health reform any day now.