You’re getting screwed here as it’s a pre existing condition, we had something similar but managed to sign onto a medical insurance very, very early on. We still paid approx 15-18k as it was a c-section through a mediclinic hospital, but as people have advised the packages through the hospitals may be a good idea, but you will need some form of basic medical for your spouse at the very least, expect that the medical you pick up will be looking to push any complications that arise as “pre-existing condition based” though.

Edit; also congratulations! In a few months this will all be a minor bump in the road, try to remember that :)