Health insurance pregnancy questions

Hi All!

It’s OE season, and my wife and I are planning to have a baby next year (doing IVF, very likely to be implanted in December). Had a few questions that I hoped I could get the public opinion on:

A friend had said it was better to have coverage together during a birth. Something about complexity of whose insurance is used. This doesn’t make too much sense to me and was wondering if other people ran into the same thing. My thought is that my wife should have the best health insurance (low deductible with an FSA) and I should get a high deductible with an HSA as I’m fairly healthy and rarely have medical bills. Let me know if I may be missing something here or if there are other stories of issues when parents are on dual insurance plans.

Once the baby comes out, I understand that’s a qualifying event which allows us to reassess our current plans and change things up. Does that reset everything, such as our YTD deductible and annual out of pocket maximum? Any strategies if so, to get around getting hit twice in a year with larger bills?

We’ll likely get hospital indemnity insurance, and try to double dip with the mom + baby being in the hospital. In order to do that, do we need to elect the employee + family, or would we be able to just do employee and then change it to employee + family when the baby arrives to take advantage of the baby’s stay at the hospital?

Thank you all!!