This is a pretty good way to go bankrupt when you have a real health emergency EDIT: I doubt OP is reading this but I would highly recommend they get insurance

This is a pretty good way to go bankrupt when you have a real health emergency EDIT: I doubt OP is reading this but I would highly recommend they get insurance before giving birth...sure, they won't cover your at home birth, but they will cover your hospital stay if you end up having potentially fatal complications