Are the only ones who can "afford" to have kids. With my first baby, I was 19, made $8.00/hour and although I lived with my bf, there was no way we could have afforded insurance. So I got on medicaid. Well with my second I'm 24, have had insurance through my job for a long time and I'm on dh's insurance as well. I am going to be in debt from hospital bills for the next 10 years or so :( my insurance didn't cover much and idk how much dh's is gonna cover...I'm looking at like $8,000 between clinic and hospital bills so far from just my insurance. It's ridiculous to pay for insurance every month and still pay out the ass!