I am in the same boat. I am covered through birth b/c preexisting condition from when I was insured. But only 50%. I am looking into insurance, but also Empire has a hospital only plan that isn't too crazy- like $150/month. They cover maternity care IN HOSPITALS (i.e. not your OB unless at a hospital) and there are no restrictions. Google NYS insurance because there are low-cost maternity options for people with low-incomes...