The good news is that most people don't have a pregnancy every single year. I know, I know, other conditions apply. But even with young kids (and related preg

The good news is that most people don't have a pregnancy every single year. I know, I know, other conditions apply. But even with young kids (and related pregnancies), my family has not consumed anywhere near what I've paid in premiums the last decade. I'd be shocked if we "got back" 10% of what I've paid in.