I think pregnancy and labor is what's going to finally break the camel's back.
Having children is a pretty basic part of being human. And the costs are such that even millionaires are going to feel it. When basically nobody can afford to participate in reproduction, something is going to go sideways.
With my "good" insurance, I still ended up with a multi-thousand dollar deductible. Which I thought was problematic until I started hearing about people who have high deductible plans that only make you pay 20% after hitting your deductible.
For a 100K bill, 20% is still absurd and especially after you've already paid $2-10K out of pocket.
Having children is a pretty basic part of being human. And the costs are such that even millionaires are going to feel it. When basically nobody can afford to participate in reproduction, something is going to go sideways.
With my "good" insurance, I still ended up with a multi-thousand dollar deductible. Which I thought was problematic until I started hearing about people who have high deductible plans that only make you pay 20% after hitting your deductible.
For a 100K bill, 20% is still absurd and especially after you've already paid $2-10K out of pocket.