Federal laws require most employer-sponsored plans and all ACA-compliant individual insurance plans, including those available through the Marketplaces, to cover maternity services including pregnancy, childbirth, and newborn care. Cost sharing may apply to some maternity services.

Most private plans also must cover prenatal visits and screenings, folic acid supplements, tobacco cessation counseling and interventions, and breastfeeding services without any cost-sharing because they are considered preventive services.

Some health plans are not required to cover all pregnancy-related services. You can find more information here. Medicaid covers prenatal care and delivery services in all states. You may be eligible for Medicaid on your own depending on your income.