Malpractice can be $30-$90k/year for an OB-GYN. Hospitals may cover part of this, but a private practice may not. This is a huge percentage of an OB-GYN salary,

Malpractice can be $30-$90k/year for an OB-GYN. Hospitals may cover part of this, but a private practice may not. This is a huge percentage of an OB-GYN salary, and creates negative career satisfaction across the specialty. (As if medical school debt and the residency hazing process were not enough.) In private practice, OB's also often have to pay for their own tail insurance, which also means if they quit the practice, they have to pay malpractice insurance (basically in perpetuity) to protect against late-arriving lawsuits. This also traps physicians in their job/specialty and makes early retirement challenging. It's a great system. /s