That doesn't make sense to me. Are you saying your health insurance premiums would be $0 if you weren't planning on having children?

Did you try reading the lengthy section of the article where I answered your question?

	▲	evanelias 22 minutes ago \| parent [-]
		I skimmed your 2400-word article a second time just now, and I still don't understand why your math is allocating 100% of your family's health insurance premiums to childbirth. And now I additionally don't understand your abrasive tone in answering this fairly straightforward question. Multiple commenters are raising this point, so perhaps you should consider that you aren't conveying this information well?