For me personally I have never seen the need for us to have PHI at all. We are under the income threshold so we don't pay the medicare surcharge, maybe if our income increased and we did have to pay it I would consider getting the insurance. But as it is now, we can't afford it and it doesn't bother me anyway. I have always been happy with the level of care I received at my hospital when having my babies and I prefer a midwife centred model of care such as that provided by my public hospital than an OB centred model anyway.