If anyone answers this post, let me know. I'm in the same boat you are. We had our first baby back in December of 05. We had insurance at the time. Thank goodness because otherwise we'ld STILL be making payments towards the 20000 dollars it just about cost to go to all my ob visits, lab work, and the actual having the baby, plus her bills afterwards. We just found out we are pregnant agina, with only a five month gap between the first ones brth and the start of this pregnancy. And because my husband switched jobs at the begining of the year, we currently have no benefits of any kind. Our daughter's immunizations have all been out-of-pocket, but it was actually cheaper that way. Not labor and an anesthesiologist though! I hope to find SOME solution soon. I need to see an ob asap for our first prenatal visit. Good luck to you!