H.F.
I second the recommendation to use a midwife, if your pregnancy is normal and healthy and if you feel confident in your ability to birth (sounds like you do!). Have you pressed your insurance company on what might be covered with a midwife or birth center? Keep asking. I used a midwife, and they ended up saying they'd pay 70%. Even so, the expenses were much lower than a hospital birth would've been, so I think we could've afforded to pay out of pocket in installments. My son was born at home and it was an amazing experience, and I think his peaceful birth has a lot to do with his easygoing personality. My midwife was Laurie Fremgen. Another response mentioned Natalie Lake, and she is a wonderful midwife as well. You'll want to interview several midwives and find one who you feel comfortable with.
If homebirth seems too scary, maybe you'd want to try a birth center with a midwife? Birthwise with April Bullock is a great option.
But if you feel you need an OB/GYN for insurance, check out Dr. Christina Sebestyen at obgynnorth (near mopac and parmer). She's been working hard to get midwives back in Austin's hospitals, and she has great respect for the birth experience. I saw her speak at last year's BOLD play.
Good luck with your pregnancy and birth!
H.