Health Savings Accounts & Pregnancy Coverage

	Individual & Family Health Insurance
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HSAs and Pregnancy Benefits

The vast majority of employer-sponsored plans provide full pregnancy benefits with no pre-existing condition limitations.  However, maternity coverage is a completely different matter under health insurance plans marketed to individuals and families in Illinois and in Indiana.

If you don't have employer-sponsored coverage, you may have difficulty finding affordable maternity benefits in the individual health insurance market.  Health Savings Accounts (HSAs) can help.

Using HSAs to Fund Maternity Expense

Most individual health policies standardly include protection against complications of pregnancy, which is where you'll find the more meaningful financial risk.  In comparison, the cost of routine maternity services is predictable, and could be funded, via an HSA, over two or three years.

So, if you can't get affordable coverage for routine maternity, we suggest buying an HSA health plan and making HSA deposits to pre-fund anticipated routine maternity expenses.  That way, you can pay the routine maternity expenses with before-tax money rather than with after-tax money.  Depending on your tax bracket, that could save you a few thousand dollars.