If I become pregnant prior to getting married, will the pregnancy be covered once I am married?

Simply getting married won't get you health insurance coverage. But after you're married, your spouse can add you to his group health insurance plan if it’s offered through his employer.

Unfortunately, if you’re pregnant and trying to buy health insurance coverage in the individual market, you’ll be turned down because pregnancy is considered a pre-existing condition. Insurance companies won't want to sell you coverage because you’ll soon be making claims -  which could be expensive if you experience complications.

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That will change under the Affordable Care Act starting in 2014, when insurers will not be allowed to turn people down or charge higher premiums due to pre-existing conditions. However, right now you might qualify for something called a Pre-existing Condition Insurance Plan, which is open to people who have been uninsured for six months and have a health condition. This program aims to provide coverage for people with pre-existing conditions until 2014, when the new consumer protections under health care reform kick in.

Use the U.S. Department of Health and Human Services' insurance coverage finder to see if you qualify.

Meanwhile, it's also a good idea to start thinking about coverage for the baby. Learn more about what you can do when pregnancy complicates health insurance options.