My husband was laid off and our baby is due 10/7. My insurance plan requires you to re-enroll every fall and it starts again 10/1. I've never put this much thought into the different plans and choices and the cost, because we've always had our own coverage through our jobs. And now adding baby on top of it! It sucks and is so expensive. I'll do what I have to do for my family, but right now I complain! 😆