Depending on your employment status, there is another option of which you may take advantage. The MSA's health policy component may treat pregnancy as a pre-existing condition. However, you are free to use the funds in your MSA to pay for any medical costs, whether they are pre-existing or not. This will enable you to use pre-tax dollars and stretch the funds you have available. Finally, I would not be doing a complete service if I did not bring up the issue of personal responsibility.
Individuals are responsible for their own health.
It is up to them to make sure that they have proper coverage so that when a potentially expensive health situation arises, they are protected. It is doubly important when it is possible that the individual might become pregnant. Purchasing coverage is sometimes easier said than done. Health insurance is expensive and our elected representatives need to take steps to encourage competition and foster greater affordability. However, when one makes the conscious decision to forgo coverage, for whatever reason, they must recognize the potential consequences and be prepared for the possibility that they may need coverage.