I'm against the concept of privatised healthcare completely but within the privatised paradigm insurance only works properly to share risk across a population.

I'm against the concept of privatised healthcare completely but within the privatised paradigm insurance only works properly to share risk across a population. A normal birth is not really an insurable event. Normal births are not a risk (in the sense of risk being a semi random events) since on average each women an America has about 2 in their life. In a privatised system insurance make sense as something to cover the risk of complications during a birth. So in a functioning privatised system with insurance working as it theoretically should any birth whether simple or with huge complications should cost the same amount of money. This is similar to dental most people spend X±Y amount of money over their life on dental work where X is high and Y is low. Insurance only works properly where X is lower and Y is higher (for example getting a rare cancer that costs $1million to treat is a very insurable event). Where dental is covered by 'insurance' the person paying for the insurance policy would be better just paying the dentist directly. Meanwhile I am glad I live in a society with a nationalized health system where births cost nothing.