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