Most plans I've seen have very high out of pocket limits or high co-pay - or no maternity coverage (we're not planning a 2nd child yet but my 1st was a surprise). I could kick myself - I had a great individual policy pre-baby for $84/month that had better coverage. But bc I declined maternity at the time (to save $34/month), I switched to my husband's policy for a whopping $410/month when I found out I was pregnant. And premiums have skyrocketed the last 2.5 years. Is this an across the board issue, or am I just not looking at the right plans? Anyone have a great insurance policy that's not their primary monthly expense?