Health Insurance Options for Pregnant Women

According to the American Pregnancy Association the estimated cost of giving birth is $6,000 – $8,000 for a normal pregnancy. Costs can increase with high risks or complications.

If you have limited health insurance, don't have health insurance, or can’t afford hospital costs, there are some options available.

here is a listing of Health Departments by state. Click on your state, then look for health care coverage or for a phone number to call for information. Also, visit the links below.

Government Programs

  • Bureau of Primary Health Care
    This government search tool helps you find community health centers and clinics in your area. The Health Resources and Services Administration is a part of the Department of Health and Human Services (HSS). HHS is the principal U.S. government agency for protecting the health and safety of all Americans and for providing essential human services.
  • Health Insurance and Women
    A list of helpful web sites and government insurance programs for women and their families. is operated by The Office of Women’s Health (OWH) which coordinates the efforts of all the Health and Human Services agencies involved in women's health.
  • Insure Kids Now!
    Links to health insurance information for infants and children by state. The Department of Health and Human Services (HHS) is the principal agency in the United States government for protecting the health and safety of all Americans and for providing essential human services.
  • Gov Benefits
    Click on Benefits by State to see if you may qualify for this government program. Contact your state Health and Human Services Department to find out more about the program benefits. is a partnership of Federal agencies with a shared vision to provide improved, personalized access to government assistance programs.
  • Medicaid
    This is an overview of the Medicaid program and services. Medicaid is a government program that pays for medical assistance for qualified individuals and families. Contact your State Health Department to find out more about the program benefits and eligibility.
  • Nonprofit Programs

    • Health Insurance for Pregnant Women
      Lists government funded programs, healthcare discount programs and other options for managing healthcare costs. The American Pregnancy Association is a national health organization that advocates, researches and educates on reproductive and pregnancy wellness.
    • March of Dimes
      Are you financially ready for a baby? This March of Dimes article helps explain the involved costs, insurance options and maternity leave policies. The March of Dimes’ mission is to improve the health of babies by preventing birth defects, premature birth, and infant mortality and carry out this mission through research, community services, education and advocacy to save babies' lives.
    • Planned Parenthood
      Planned Parenthood offers pregnancy testing, counseling, prenatal care and referrals for specialized care. Each health center establishes its own fee structure and many centers offer services on a sliding scale. Planned Parenthood affiliates operate nearly 860 health centers across the country. Planned Parenthood affiliated health centers nationwide provide high quality, affordable reproductive health care and sexual health information to millions of men, women and teens.

    The information provided here is not meant to be a substitute for professional medical advice. These tips are from doctors, nurses and people who have shared their real life advice; always check with a doctor or other appropriate medical professional you trust before making any health care changes.