It depends on F1's insurance, income, etc. Most of school's insurance for students won't cover 100%; on the other hand, if you could buy the outside insurance to cover 100% you need to pay higher monthly fee in addition to deductibles. Another option is to apply for some kind of 'low income' benefit through which the goverment will pay everything for you. Therefore, do your research before any decision. Good luck!
ls, Dual citizenship. Since both lz and her hub are in non-immigration visa, their child will be seen as PRC citizen by China; in the meantime, their child is also US citizen because he/she is born in US unless their child give up his/her US citizenship (a complex process, more people won't do that.)