Big churches and such large organizations are points where it is simple to find these groups. Over the years, a can add hundreds of dollars of expenses for one's budget. First, you require a blood pressure monitor.
Once you're convinced you the cheapest price possible: Purchase it! HMO's for group insurance can still make sense but it's almost unattainable for anyone. The higher you set your deductible, the more risk you take.
Congratulations, you've already made the really big decision to keep the baby. The US Department of Health and Human Services has a software program called Insure Kids Right away! HMO stands for Health Maintenance Office.