it has been awhile since my wife gave birth but the costs of even a routine childbirth can be substantial like $15 000 (this includes the insurers' cost). it depends on the tradeoff between premiums and your expected out-of-pocket cost but i would strongly consider paying more for a "gold" or "platinum" plan if you know you are going to give birth next year.
what health insurance plan is best for a pregnant woman? . of course premiums go up or down but how does one decide if the 90% the insurance company pays/ 10% i pay the 80/20 or 70/30 is right for a first time pregnant woman?