What state are you in? All health insurance providers so far I have known cover infants until 1months for FREE if mother is insured at that time.

Based on annual income most of the states in midwest and south provide insurance for free to nominal charge. If you are student...you should be able to prove that you earn less than 30,000, you qualify.

Most of the insurance plans I know cover an infant for a small percentage of what adult coverage costs. e.g. My friend's company pays $556/mo for him and his wife's insurance. Company doesn't pay for children, he pays additional $93 for infant..