Finances have us as well too. I feel like we would be fine in our current position, because SO many people I know are experiencing it right now (which of course adds to the baby hunger). However, we're expecting a boost in income soon from new jobs, and would like to be in a house first (currently in an apartment).
As for insurance, I read that sometimes you can still qualify for the free government insurances even if your income is above the original cut off. The look at whatever insurance that's currently available, say through work, and if it shows you can't afford the premiums, deductible, and other cost you'd qualify for assistants. I don't have personal experience, just what I've read.
In our position, like I mentioned above, we are very close to boosting our income. I know it's terrible but it almost seems like we should take advance of the assistance now, and save thousands of dollars!
(P.S. I have private health insurance, but my deductive is really high. We wouldn't be able to afford it.)