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You can watch The High Cost of Living (2011) for free on Plex.

The story of a young, pregnant woman whose world falls apart when she loses her child in a hit and run accident. As her life unravels, Nathalie finds an unlikely protector in Henry, a down and out guardian angel who has followed her thread. But Henry is not quite the angel he seems...

The High Cost of Living is a film that explores themes of pregnant woman, guardian angel, woman director. It also touches on accident.