My husband and I are. I have insurance but it doesn't cover anything dealing at all with pregnancy.  My husband makes too much money for us to be qualified for medicaid (he's a teacher so even though its too much for medicaid it's still not much).  The clinic where my doctor is located has payment plans, though still expensive, it will make it a little easier on us because we can pay a little bit at a time.  I have been trying to keep my eyes open for extra coverage or something but havent found anything yet.

My cousin went on a monthly payment plan through her OB. Even though she had a C-Sec, the total cost of the whole procedure was broken off into somewhere around $400 payments, the whole thing came out to $3000. Some drs will give you a 10% discount if you pay for everything at one time in cash or on a credit card also rather than using a payment plan.

You can try state medicaid for medically needy pregnancy coverage and see if you qualify. I used state medicaid and it covered my entire pregnancy, and will cover me for the postpartum period as well. It also covers any other health things that may come up while I am on the plan.

Baring any complications, though, if you don't qualify for medicaid through your state, then it would probably be less money for you to not pay for insurance and instead pay out of pocket for your pregnancy due to the deductible and out of pocket max you would need to pay, however, it may also be a good idea to get insurance even though it is $500 a month in case you have complications. If you don't get insurance I would put the $500 you would spend on that into a savings account. See if your husband has an option where he can put money into a savings account that is used only for medical costs through his work. The money is pulled out before taxes and can be used toward hospital procedures, prescriptions, drs visits, etc.