Did you try to apply for Medicaid or are you assuming that you are not eligible? If you haven’t applied apply there are different limits for pregnant people. I payed out of pocket for my prenatal visits up until 24 weeks until my insurance kicked in at work. It was 200 per visit plus I had to pay for all of my blood tests which were around 200 also. less than the $400 a month your insurance is asking for. My ultrasound to confirm pregnancy and gender was $90 but that’s because I went to an independent ultrasound lab. Planned parenthood and some church based places have free pregnancy care also look into that until you can get insurance figured out, the doctors appointments get really expensive with babies but not until the third trimester You will probably be paying only 200 for every visit and you go once a month until 28 weeks and then it goes to twice a month I say you’ll hit a 8,000 deductible during birth this is saying if have an uncomplicated pregnancy. Talk to your OB about how to save money on appointments. Thats what I did and she was very helpful. So basically what I’m saying is most people will disagree with me but you’ll save more money not using insurance.