Christian Healthcare Ministries is reasonably cheap with a high deductible, and amazing for maternity if you're planning on having more kids. Finding a subscription-based independent doctor is also a great way to go.

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Ah interesting! I will check them out.

My father in law used a similar organization (not this one) and they didn’t provide a beneficial service but this is a different company and I’ll happily check them out. Love the concept!

This is the last kiddo for us, but that’s good to know too.

Appreciate the help!

since 2016 our family's had a really great experience using a Christian health sharing alternative to insurance called Samaritan Ministries.

excellent operation, costs way less than insurance and we use it exactly the way you described.

Samaritan Ministries: Christian Health Care Sharing https://samaritanministries.org/

Thanks! Will check it out.