[evanelias]

I skimmed your 2400-word article a second time just now, and I still don't understand why your math is allocating 100% of your family's health insurance premiums to childbirth. And now I additionally don't understand your abrasive tone in answering this fairly straightforward question.

Multiple commenters are raising this point, so perhaps you should consider that you aren't conveying this information well?

[Aaronontheweb]

1. I mentioned, in multiple places, that this is the cheapest PPO offered to me through a limited selection of potential brokers / marketplaces - and that's important because it covers our current health care providers AND child birth as a benefit.

2. If we weren't trying to have kids, our options for purchasing health insurance expand drastically. Individual marketplace plans become a viable, for instance, since the "not covering childbirth" issue goes away. I mention the short-comings of the individual health insurance marketplace at least twice in this regard, including a big pull quote explaining the ACA work-around with child birth coverage.

[evanelias]

> If we weren't trying to have kids, our options for purchasing health insurance expand drastically.

Yes, but crucially none of those expanded options cost $0, so I still don't understand your math at all. I feel like we're talking in circles here.

You should be deducting a substantially non-zero number from the amount in the headline to account for your "normal" non-childbirth-year best-case medical insurance premiums (or out-of-pocket cash costs if foregoing insurance altogether).

[losvedir]

What exactly does covering childbirth mean? We've had two children now and it's not something I've considered when choosing insurance (my company's vs my wife's), so maybe we just got lucky. Is there anything different about child birth vs simply in-network hospital coverage? I assumed we'd just hit our out-of-pocket max.

[anon7000]

Above comment is discussing choosing via marketplace, which indicates it might not be an employer funded plan. (Which are gonna be better)

[staticman2]

You are spreading misinformation when you say ACA doesn't cover childbirth.

If this was true it would be plastered in every newspaper for the last 15 years.