Can Group Health Insurance Deny Pregnancy? 
For all practical purposes the answer should be `` No '' . The Affordable Care Act -LRB- ObamaCare -RRB- requires coverage for maternity and newborn care to be covered as any other illness under its Minimum Essential Benefits requirements . Also , the Affordable Care Act forbids the application of pre-existing conditions exclusions or waiting periods to health insurance policies . During the last open enrolment period I enrolled a couple of previously uninsured women who were pregnant in the new ObamaCare compliant individual health plans offered in our state and they were covered immediately and had their delivery & other associated expenses covered . These same people would have been declined for coverage due to their pregnancies being defined as pre-existing conditions before January 1 , 2014 . 