Be careful if you switch jobs during your next pregnancy. Don't assume you'll automatically be able to pick up coverage.

While the federal Health Insurance Portability and Accountability Act (HIPAA) says group health insurance plans can't consider pregnancy a pre-existing condition and can't exclude coverage for prenatal care or your baby's delivery, HIPAA's rules don't cover every woman.

HIPAA applies to every employer group health plan that has at least two participants who are current employees, including companies that are self-insured. If you move from one individual plan to another or from a group plan to an individual plan, you might not get pregnancy coverage at all,
or you might have to sit out a waiting period.