Are you or your spouse employed? If so, your best bet is to use your company's insurance plan. The coverage provided by your company's insurance is going to be cheaper than going with your own insurance plan.

If not, you should see if you can get insurance coverage through organizations that you belong to. If you're a freelancer, your industry organization might offer a group health plan. It's not going to be as comprehensive, b...

Are you or your spouse employed? If so, your best bet is to use your company's insurance plan. The coverage provided by your company's insurance is going to be cheaper than going with your own insurance plan.

If not, you should see if you can get insurance coverage through organizations that you belong to. If you're a freelancer, your industry organization might offer a group health plan. It's not going to be as comprehensive, but it's a better bet than purchasing your own insurance plan.

If you need to purchase insurance by yourself, it can get pretty complicated. Every time I look at health insurance, my head spins. However, keep in mind that you're going to end up going to the doctor quite a bit if you have a 1 year old baby. You need regular checkups and immunizations and babies tend do get quite sick. Therefore, you should go with a low deductible plan. It will definitely save you money in the long run.

The other thing you should look into is a HSA. This allows you to put aside pre-tax money that can be used for medical expenses. If you go with a high deductible plan, this is another option since you can pay your deductibles using pre-tax money. But, the catch is that you need to allocate pre-tax money on an annual basis.

I hope that helps. Having a child is a wonderful experience but definitely get health insurance! The last thing you need is stressing over whether you should take your child to the doctor because of health insurance coverage issues.

Bank of America may have a form of insurance - family coverage - that you are looking for. I myself have one.