To preface this question - I live in the US and work for a health insurance company. I now know about deductibles, coinsurance, out of pocket maximums, etc. When we had our first child 2.5 years ago, I didn't think twice about them to be perfectly honest. We got a big bill after!! Now we really want to have another baby. (And have much better insurance, but still a 2500 family out of pocket) It hasnt happened yet :( Now I keep thinking things like, "the deductible restarts in January. If I get pregnant now, I'll owe it for this year and next" .. my friends and family keep telling me i'm crazy for thinking this way. Did anyone else think like this, or am I nuts?!