HB midwives can't get insurance because their collective pool is so small- certainly not because its not good insurance sense IYKWIM. The safety of HB is so high and the incidence of something going wrong so low that they are certainly insurable.
I'm aware ongoing medical care would be expensive but I can only see that happening in a HB for something that is natural (ie. baby born with disability) rather than something involving malpractice. HBs don't involve all the procedures that cause incidents, as happens in hospital. If something was going badly we would transfer to hospital anyway and in that case if they muck up a c-sect or something then sure, we'll be covered for that libility.
Just to clarify the point I made about this being my choice- I don't want to give the impression that my H is not involved or against the idea. He's all for it- he's just pretty laid back about it is all. The decision went something like this:
Me: I want a HB
Him: Okay
Me: Maybe I shouldn't have a HB- it costs so much
Him: I think you should have the HB
Me: Yay we're having a HB! I want this midwife
Him: Okay
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