I have an HSA with a baby. With my plan, which is through work, once I hit my out of pocket max, they cover everything else at 100% (in network). As you will soon find out, the delivery alone will be more than the out of pocket max. So everything else is covered at 100%. I actually posted about this here at some point because it seems too goo be to be true, but I've had the plan for three years and two babies and it is working. It could be because my plan is through an employer through. Marketplace plans may not cover as much. I guess it all depends on the plan, but I've been happy with the HSA.