Obviously you never tried getting private insurance that covers pregnancy pre-ACA. Always a separate rider, always expensive. Whoopsie if you didn't catch that fact, failed to get a separate rider, then went on to have pregnancy complication. Hello bankruptcy! Hell, even with the pregnancy rider, a complicated pregnancy put a lot of insured people into the poorhouse.
Pregnancy complication example #1. Even with insurance, pregnancy can be treated as a preexisting condition and denied coverage. Wonder if her plan excluded the rider?