Husband tooo ignorant...?

If his parents have cut him off financially, then just let reality hit him. There's no other way. Once you go to the hospital and he tries to use his insurance and you're not covered, let him deal with the headache of trying to figure everything out. Go to a hospital where they cannot refuse to see you and let them slap him with a bill. Once something like this happens it becomes sooo much easier for us to see what you've been saying all along. This needs to happen before the baby comes along though, otherwise you'll be stuck raising two babies.