Is it possible to get a decent individual health plan in Maryland?

Both my hubby and I are independant contractors which basicly means that we’re on our own when it comes to health insurance. We’d like to start a family but can’t find an affordable policy that covers maternity with out costing a fortune in monthly premiums.
Should I just try to get a job at Target or something? Maybe go to Canada?
Is it better to just save the money instead of paying monthly and pay outa pocket????
Also, most companies have a 1 year waiting period : (
Anybody know a way around this???
ppl/brokers keep trying to set me up with Assurant Health but it seems knida shady…

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