I have to quit my job to care for an extended family member. My family will be losing health insurance as a result. My husband is self-employed, and we do not qualify for medicaid. I am trying to get pregnant, and am unsure of what my options are. I am under the impression that if we get independent insurance, maternity coverage will not kick in for 6 months to a year, depending on the plan. My question is, are there insurance plans out there where maternity coverage will kick in right away? I know that Cobra is an option, but I am looking to avoid it, if possible. Any suggestions are appreciated.