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Preventive care is covered with no cost-sharing on plans that were sold or renewed after September 23, 2010, and additional woman-specific preventive care was added to plans that were sold or renewed after August 1, 2012.So at this point, all grandmothered plans include free preventive care, as well as all new plans that are fully ACA-compliant.But for now, it’s important to keep in mind that while all ACA-compliant plans cover maternity, you cannot go uninsured and simply plan to enroll in a policy if and when you get pregnant.And if you have a grandmothered or grandfathered plan that doesn’t include maternity coverage, you cannot switch to a plan with maternity if you get pregnant – you’d have to wait until the next open enrollment, which only comes around once a year, unless you experience a qualifying event.In order to have maternity coverage, you must have an in-force health insurance policy that’s ACA-compliant (or one that pre-dates 2014 and happens to have maternity coverage included – but those are rare).And while medical underwriting is no longer used to determine eligibility for coverage – which means that being pregnant won’t cause an application to be declined – there’s only a short window each year during which you can enroll in a health plan.(in Maine, Massachusetts, New Jersey, New York, and Vermont, state regulations prevented carriers from using medical underwriting to determine eligibility for coverage, long before this became the norm under the ACA).

And women are no longer charged higher premiums than men, despite the fact that every new policy – both in and out of the exchanges – includes coverage was available on most group plans, thanks to the 1978 Pregnancy Discrimination Act.

coverage in the individual market was extremely rare, and if it did exist, it was generally in the form of an expensive rider that could be added to a plan, usually with a waiting period.

Yet even on plans that excluded coverage, women were charged premiums that were at least 30 percent higher than those charged to men for the same coverage.

The crisis worked against Mc Cain, whom many voters associated with the unpopular policies of the administration, and worked for the highly charismatic Obama, whose campaign from its outset had been based on the theme of sweeping political change.

Obama defeated Mc Cain, becoming the first African American elected to the presidency.