Insurance companies have reinsurance, though -- they insure themselves against low-probability but high-stakes costs. Any insurance group that would be bankrupt

Insurance companies have reinsurance, though -- they insure themselves against low-probability but high-stakes costs. Any insurance group that would be bankrupted by a single baby is just a clown college that would certainly be wiped out by a multiple myeloma or someone who needed an immune checkpoint inhibitor... or a couple adults who are on the new Hep C treatment ($84000 for three months!).