If you want my true and honest opinion, I don't believe it is ethical to purposefully get pregnant and expect someone else to pick up the tab. I fully understand that insurance is frustrating, but those programs are really meant for women who find themselves in a tough situation accidentally and are fairly destitute. Can you save some money and pay your bill outright? Loans? I suspect the insurance system will soon crumble (god willing), and all of us can receive healthcare that everyone deserves, but until then, there are so many people who can't even get insurance, the less stress we put on the system the better.