I think HB is legal in most US states. The problem with it being covered by insurance though is similar to publicly funded homebirths in Australia... Suddenly everyone gets to have a small window opinion of what 'low risk' is. In this state MWs also face criminal charges if they continue care in a 'high risk' pregnancy or birth.

I don't think I'll really make a profit, I think the surplus over what I paid already will go to my MW.

I think that's a good plan for vit k. Pretty much the plan we always had. We enter up giving baby#1 the injection as he had a large bruised lump on his head at birth, baby #2 had nothing and baby #3 had oral drops given my low platelets.