<prompt> Human: Here is our current budget:4400income737.8Husband student loan138.43Wife student loan lower interest rate138.24Wife student loan higher interest rate357.04Wife car loan16.89spotify82car insurance70phone100gifts100dog236.67one time baby costs25adobe21.59sling5Email10.79website---2039.45fixed expenses50Kyles roth ira100Joelles ira300emergency savings---450savingsinvestments1000food, gas, hh supplies, entertainment, etc910surplus---That budget is all post tax and does not account for 365 401k monthly contribution or 420 monthly HSA contribution. We are replenishing our e-fund at the moment due to a lot of medical and dental bills that ate through the HSA, along with some car repairs. We have over 1k in there again and our e-fund needs are less than others given our living situation and HSA savings. Of course that may all change now and Im interested to hear what others have to say on this. This budget is new. We plan to apply the surplus to e-fund andor student loans. Anyway, Wife just got pregnant! Also, I recently posted this: Well, it turns out that a large, dead, mold covered branch crashed down upon that car and it seems like Ill need a new one sooner rather than later. As for income, mine may be about to go up as Im being aggressively pursued by a good employer. However, it would require a decent commute and I currently work at home, so the benefits of the increase may be tame in the short run. As for my wife, she is in the very early stages of trying to launch a furnituredesign company from home. We are not counting on this for money at all. We are fortunate enough to live with her parents who also plan to pay for a cloth diaper service. So daycare and diaper costs should be pretty much nil. Okay, so. I know I need to add term life insurance for myself to the budget. How do I shop for that? What should I look for? I currently have a 1 years salary policy for free from work. Just in case that impacts anything. Should I explicitly add anything else to the budget? Am I saving enough for one time baby costs when considering we will get a lot at the shower? Now, insurance. We have a HDHP with a 30006000 deductible and a 600012000 out of pocket max. The baby is due in February. I imagine I should switch to a low deductible plan during open enrollment if I stay at my current job? Or enroll in one upon receiving a new job? And all maternity care will be covered despite her being pregnant when we enroll and us being on a HDHP when we first found out? I just dont know what to expect insurance-wise. I kinda regret the HDHP now. However, it seems like most crazy medical costs would be incurred in 2018, right? So maybe no big deal? Thanks so much for any insight. Much appreciated!!EDIT: Sorry my budget copiedpasted all weird. Not sure how to fix it without typing it all out.  <response>: Youre right, most of the costs will be in 2018. Since you know youre going to hit your deductible next year, go ahead and switch to a lower deductible plan. Paying more for the lower deductible plan in your pretax dollars is better than having to pay more out of pocket with the higher deductible. I would switch during open enrollment assuming the new coverage would start January 1 then reevaluate the next year to see if you want to switch back to the higher deductible likely so unless there are medical needs for mom or baby exceeding 2018. 