You really have to be careful w/ insurance. All insurance companies (even if it's a national company) follow state laws (except if you work for the feds). Here in TX, the health insurance laws completely stink! We couldn't get an individual/family policy that covered maternity & the policies that we could get were VERY expensive. For just me, I was paying $700/month (it ranged anywhere between $600-$800/month but changed about every 6 months).
DH got a job & now we're all on insurance (well DH & me for now, Aimee will be added when she gets home) & it costs less than we used to pay for just me (same exact company).
You also need to read the fine print b/c we were going to get insurance from one company until we read that they would cover up to like $1500/year & then you were responsible for the rest which is completely crazy!
I too have an issue w/ insurance companies & stupid insurance laws, can you tell?
Can you get insurance through your DH's employer? It may be cheaper & less hassle in the end.
Traci