text: If you're going to a hospital that receives federal funding, they are legally obligated to provide emergency services whether or not you can pay.  The social worker at the hospital should be able to tell you what payment plans are available to you.  The important thing is to get your wife to a hospital right away when the contractions start. Pack a suitcase with a few days' worth of clothing for her and basic hygiene supplies.  Keep it by the door, ready to go.  If you really can't afford a hospital, you might be able to find a licensed midwife who will deliver the baby at home.