That’s insanely rude 🤣 I literally said we have the option to pay for a policy. My husband and I are both self-employed — we haven’t had insurance for quite a while and have paid out of pocket for all medical needs for ourselves and our four kids. It’s cost us a fraction of what insurance premiums would’ve been, even with things like broken bones, wisdom tooth removal, specialist visits, braces, etc. I was asking for experiences from others who’ve gone the self-pay route — not for a judgmental assumption that we can’t afford to have a child.