$7000 for a day in the hospital sounds about right.
Health insurance prices do vary, $800 a month is ridiculous. I pay $87 for an individual plan and it is widely accepted in my area.
"They" will not and cannot make you sell your home. That decision is up to you. How you come up with the money to the pay the bill is up to you, but you do have to pay the bill. Selling your home might be your only option.
Being homeless is a problem in this country. There isn't much that can be done for those who have mental/physical problems. You guys, being healthy and educated, would have no problem.
Food/baby supplies aren't horrendously expensive. Not sure where you got that impression.
I'm not a Visa expert, I know it is hard to get one. I currently know a few people here on job visas, but I also know a few people who have chosen to move to Canada because it's easier to get a visa there.