Does Health Insurance Cover Having A Baby? 
Most health insurance plans cover the delivery and related expenses of having a baby . Maternity benefits are now mandated by the ACA -LRB- Affordable Care Act -RRB- and any Marketplace Metal plan must cover these expenses . A deductible could apply and there will be some out-of-pocket expenses . Also , if you have a grandfathered plan , it is possible that maternity benefits will not be covered . 