The truth is, any woman with any of her pregnancies, could end up with a c-section. Just because a woman doesn't have one with her first pregnancy, in no way, is a guarantee that she won't have one later. Is that what is next ? Any woman of child-bearing age may end up uninsured? Having a baby, period...is expensive for them. I can think of at least three mother's that I know off of the top of my head that didn't have c-sections with their first child, but ended up with one for subsequent children. I feel that this is truly a battle between OBGYN's and the insurance companies (I am sure that insurance company's take the position that c-sections are preformed too quickly by many drs. just to hike up their bill), with the innocent getting caught in the middle.