I agree with the other women who have posted, and also wanted to add that I think you're doing a great job responding to your unplanned pregnancy!
Regarding the health insurance jump to add a child, that sounds pretty out there. Did you ask if she has a unique plan or circumstances? Typically the mainline providers will cover a mother and child for under $200/month. $440/mo sounds like what one would pay to include and entire family.
Regardless, don't let health care costs stress you out; there are always venues in our country to make sure children get the health care they need.
I'm sorry the dad has been quiet this week; maybe he is processing?
