Back in my early 20's I was working full time and putting myself through college. Whilst doing so, I met a young lady also working her way through college. We fell in love and got married. Now, we were both young healthy and still in college. We opted to not add my new bride to my employer sponsored medical insurance. (her employer didn't offer health insurance) Since life tends to throw people challenges some times, she ended up pregnant. So, it was too late to add her to my insurance as the pregnancy was now a "pre-existing condition". What was a young couple to do? We decided to both stay in school, both keep working, have the baby and pay for the medical care ourselves. Trust me, that was not an easy task to accomplish. But we did it. In today's world, it seems that some think that it would be impossible to financially accomplish having a child without having insurance pay for the associated medical costs of pre-natal care and birth. It wasn't then, and I don't think it is today. It's more a matter of being responsible for the decisions you make and paying for those decisions. And that can include making financial sacrifices in other areas of your life. Who else here has opted out of medical insurance at some point in their life and still managed to pay their medical bills when the time came for medical need? I'll bet it's quite a few.