[just4themoney]

Whether is is "normal" or "happens normally" is not important from an insurance standpoint because from their end its nothing more than a bunch of expensive claims, even "normal" births are just a bunch of expensive claims. Childbirth is a far cry from "pretty cheap," an uncomplicated vaginal birth costs tens of thousands of dollars minimum. You seem to be ignoring months of prenatal care and the care for any pregnancy complications that may come up, of which there are many. Childbirth costs are much more than just the cost of "labor."

The fact you couldn't purchase individual plans that covered these expenses is a huge testament to that. It was so expensive that it required the force of law to get insurance companies to cover them.