Even if so, that money was paid by the premiums of all the other people in the plan. The point is that having children is simply too expensive, partly due to cost disease in healthcare.

Your insurance most certainly didn't pay out 85K. They have negotiated lower rates which are not transparent to us. Source - my own kids deliveries were billed 40-50K. We paid at most a few hundred.

Are you trying to say US healthcare isn't expensive? What is the financial risk of having a child who needs insulin?

> Are you trying to say US healthcare isn't expensive?

I am only arguing with "The point is that having children is simply too expensive, partly due to cost disease in healthcare." Typically, the main cost of having children involves preschool childcare and good colleges.

> What is the financial risk of having a child who needs insulin?

How many children need insulin? Again, I only contend with the broad generalization that having children is expensive due to healthcare costs.

I'm not sure where this thought comes from - on our explanation of benefits there's always a line item for how much they negotiated down and it usually never amounts to much.

Insurance profit margins are pretty tiny. We (or our employers) pay a ton for insurance because healthcare costs are beyond ridiculous in our country.