A distinction should be made when buying insurance for childbirth costs, 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 intend to have several kids, you are not courting serious sickness. You are anticipating probable need. It’s not awaiting an accident or getting chronically ill. Unless childbirth evolves into a medical emergency.
Routine childbirth costs can be reduced under competitive bidding, apart from other, health insurance coverage, at much lower prices than they are today, without government interference.
There ought to be means of separating these two, basic kinds of coverage.(See the Earl J. Weinreb NewsHole® comments and @BusinessNewshole at Twitter.)
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