Long gone are the days when you could have a baby at home with the assistance of just a midwife and a few warm towels. Being pregnant and having a baby is huge business, and an increasingly dangerous proposition, and if you aren't covered by some sort of health insurance maternity coverage, you may find your newborn baby costing you a lot more than you had anticipated.
Of course, it is all but impossible to try and go get health insurance maternity coverage once you are already pregnant, so if you are trying to get pregnant or see the possibility of it in your future, then you need to get your medical insurance policy immediately. Even if you aren't pregnant yet, you may find that there is a waiting period after you have signed up for your policy, which would prevent coverage for you if you became pregnant during the first few months.
Finally, the type of health insurance maternity coverage that you get is vitally important, especially if you are looking to work with one particular OB/GYN or hospital. You will be going for many tests, procedures, and check-ups during the time you are pregnant, and you will still require care after you are pregnant (as will your baby), so it is worth it to spend the time to find a policy that allows you to see who you want and when you want. Obviously, you will also want a policy that has the lowest possible deductible for each visit to the doctor.
So, take the time before you get pregnant to do your research and start shopping around for health insurance maternity coverage as soon as you can. Having a baby without any kind of medical insurance is a price that you just don't want to pay.