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Nope, wouldn't change my plans. But then again, I have horrible insurance and I knew it was just part of the deal. I had great insurance when we started TTC #2 (DH's insurance). I lost that insurance and got pregnant 2 months later. It cost us more but it's such a small price in the cost of raising children.

It depends on your reasons for waiting to ttc. If they are financial, maybe. I will say it's nice having a baby all in one financial year, so we only have to reach deductibles and out of pocket max once, but like @MamaG: it's a drop in the bucket compared to raising a kid. If you are jonesing to start anyway, then this could be the thing that pushes you over.

That wouldn't change our plans, but I have to say I wish I investigated the costs more (well at all) before TTC. A health savings account would have come in handy right about now.