Problems with this plan: using tactical marriage as a qualifying event to decrease birthing costs

Me and the girlfriend aren't married, though I have no problem making a social ceremony marriage commitment, though not keen on legally marrying her while she is working full time because that would cause her student loan payments to skyrocket (they're basically unpayable, so tactically not marrying her legally to avoid this until it becomes financially beneficial (via the combination of health insurance costs, tax benefits and student loan obligations – yes I have run many number scenarios to come to this conclusion, which is most likely when she is a stay at home mother). The plan is for her to stop working when she has a baby.

So what if she goes on her lowest tier health insurance ($5,000 deductible, $40 biweekly) on her employer's plan) just for catastrophes. Then when she gets pregnant, a month (?) before she gives birth switch over to the top tier insurance plan ($1000 deductible, $99 biweekly) using a legal courthouse marriage as a qualifying event to switch plans. Any issues with this?

She then uses any time off her employer gives her for the birth and medical, and then quits her job.

Average birth cost in my state is between 14k-15k and the plan calls for a deductible payment plus 20% of the difference between birth costs and the deductible. This brings the birth cost to one month at the highest tier health insurance (214.5) plus 3735.2.

Maybe ACA is a better option if she doesn't have a job and isn't legally married to me because then her premiums would be zero (and so would her student loan payments), but I believe the deductibles on that would outweigh any benefits on the birth.

Thoughts? Issues? ideas? thanks,

submitted by /u/Ok-Chef-5776
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