I have had Health Net and it seems ok. For the pregnacy issue, they usually do call it a pre-existing condition, but when you sign up, they ask if you are trying for baby. If so, they mark it up.
Edit:, oh, and my own premiums are $150 a month and my wife is $180. I am self employed, wife is at home... doing nothing... Just sitting there... not even making a sandwich... but that isn't for this thread...