Is this a misuse of govt benefits?

I am 32 I am pregnant with my first child. I have never received government funds , no finical aid through college nothing. My pregnancy was planned. I was working part-time because our plan was for me to work part-time until I had a baby then stay home. The day I found out I was pregnant my husband learned he was laid off and I lost my health insurance. I applied for the Free State health insurance for pregnant woman and children. The day after I applied my part-time job had a full-time position open so I took that about two weeks later health benefits start 90 days after I go FT. Well I looked at the health insurance for me and my husband it is $300 every two weeks and it is crappy insurance ( I won’t give the name). Out of pocket for labor is over 6K. He said to me when I hit the 90 days I should not pick up the health insurance. We should keep me on the state (free and good) insurance and he should just buy health insurance out of pocket it is$400 per month ( COBRA is higher). That is cheaper per month and he never goes to the doctors ( but just in case) when he gets a job we can all go on his job insurance. If I have the baby before he gets a job with benefits to have a baby on the free health insurance is free. We have a mortgage we do have savings he says since we have both worked hard and contributed to the system we are not misusing government benefits. If we pay for the health insurance we may not be able to make our mortgage. What do you think?