Insurance, getting married before or after baby?

Okay so I have been planning to get married before I have babies and my SO and I have talked about it. To me, making a baby is a massive commitment, like way more of commitment than getting married. I’m literally asking you to form your DNA with mine and create and entirely new human being, who’s entire existence depends on us, and how we form their minds and souls. that’s huge. So I want the ring and the commitment to me first. I don’t know if that’s gonna get a lot of hate but oh well. I know a ring won’t make everything perfect or keep people together but it’s just really important to me.

Someone called me and told me to have a baby before marriage because insurance won’t cover the cost of having a baby if a house shared income.

Please tell me if this is true or not? I’ll plop that kid out in a pool in my living room because I’m so tired of being constantly stressed about being put in debt because everything from skin to skin is a charge in the hospital

I really want a baby. My so and I have talked about getting married in the next few years and right after getting my IUD out.