How are you going to pay for childbirth?

Charlotte
I'm curious what you ladies have planned for affording child birth care. I've had 2 kids, first was around $1,200 out of pocket. Second was closer to $3,000. With health insurance coverages deteriorating, and hospitals charging more than ever...any really good ideas or plans out there could help us all!
Update! It looks like a lot of you ladies have really good plans. If you're okay with sharing, please let us know what insurance company and what employer provide them! I hope there are some private companies in the list. It seemed like the low deductible ones were government jobs.