Family, Children & Caregiving · Surprise rank #361
Pregnant? Certain New York Plans Cut Major Maternity Copays to $0
Participating marketplace plans may reduce or eliminate cost sharing for specified pregnancy and postpartum services.
Who
Eligible pregnant or postpartum members of participating marketplace coverage.
Where: Statewide through applicable NY State of Health plans.
What to do
Start here: Ask NY State of Health and the plan for the current maternity cost-sharing grid before selecting coverage.
Eligibility: Applicable coverage, covered service, network and timing rules.
What you get
Selected NY State of Health plans reduce or eliminate cost sharing for pregnancy and postpartum services beyond ordinary preventive care.
Benefit: Lower or zero cost sharing for specified maternity and postpartum services under applicable plan rules.
Possible value: Potentially hundreds to thousands of dollars for a pregnancy episode.
Good to know
Important: Not every maternity charge is free; hospital, provider and out-of-network rules still matter.
Availability: At enrollment or a qualifying life-event window.
Why people miss it: The benefit is a plan-design feature, not a separate program people know to request.
Sources reviewed: Aug 2, 2026