Financial Question

Does anyone else have a high deductible HSA for their health insurance? I've talked to multiple people regarding my health insurance and the maternity care and they all can't seem to give me a clear answer. Basically what I got was that after fully paying my deductible of $6,000, they will pay 80% of allowed amount and I pay 20% but my out of pocket maximum is $8,000. So crazy!! My husband has a great job that pays well, but their health insurance options suck in my opinion!!! Is this pretty standard?? Thank God I'm not due the next year or I'd have to pay the deductible twice! I'm definitely stressing over finances..... I don't know how people do it! We're middle class, own our own home, live in an area where the cost of living is low, but make decent money and I just can't see us being able to afford more than one kid.... now I see why people take advantage of the government. its harder to be middle class... sorry for complaining. I just don't know how others do it. Advice would be appreciated.