A distinction should be made when buying insurance, for the need for catastrophic insurance; that is, coverage for a probable event, as opposed to catastrophic, potential events. You buy insurance should you have an automobile accident and not for the purchase of gasoline.
In the same way, you buy health insurance in case you suffer an illness worse than a common cold. If you get married and intend to have several kids, you are not courting serious sickness. You are anticipating having need just for that. It’s not anticipating an accident or getting chronically ill. Unless childbirth evolves into a medical emergency.
Routine childbirth costs can be reduced under competitive insurance bidding, apart from other insurance coverage, at much lower prices than they are today, without government interference.
Should there be means of separating these two kinds of coverage.
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