 [ Symptoms ] 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 8020 or 7030 is right for a first time pregnant woman [ Disease ] 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