I think it depends on the plan. Usually there is a deductible per person and then there can also be a (higher) yearly max out-of-pocket per plan. The second number is if you have coinsurance, since you will continue to pay a percentage even after the deductible is met. For instance you may have a $1700 deductible per person with 20% coinsurance. You would pay all costs up to $1700 (per person) and then pay 20% of everything after that up to the yearly max OOP (which may be $4K for all family members covered). Above the OOP it should be 100% coverage. In addition, some policies charge extra for maternity coverage, so if that is the case and you did not purchase that, then the above may not apply. IMO I would not own a HDHP without maternity coverage if pregnancy was a possibility.
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