So guys I have a couple questions and they might sounds kind of dumb ok but one how soon can you add your baby to your health insurance I've seen that you have to wait until their born but I've seen some newborns get sick like days after birth so how would you cover that if they don't their SS card to get insurance? Also we do have health insurance (really good insurance through being employed by the government) but being my husband and I are actively trying to conceive a child we were talking about how much we could walk away owing the hospital after the birth. What's the max you guys have ever heard of people owing?