Malpractice insurance is one of the largest healthcare costs in the US.
The yearly premium for and OB/Gyn is $30k-100k.
OB/Gyn must carry “tail” insurance for 18 years from the date of the last baby they deliver. That’s 18 extra years of malpractice insurance in case that kid’s family decides to sue them.
That's not true in California where the statute of limitations for malpractice is 3 years. It's 3 years even if your doctor did something wrong and hid it from you for 3 years. If they can pull it off they're scot free. If you do figure it out within 3 years and successfully sue you're limited to $250,000 no matter what they did to you.
The two year statute of limitations doesn’t kick in until the kid is 18 years old.
In most states there is a two year statute of limitations to file a medical malpractice claim. However, most states have a stipulation that states the injured party has two years from “time of discovery” to file their claim. In addition, the two years statute of limitation does not start until the injured party reaches the age of eighteen.
https://equotemd.com/blog/obgyn-medical-malpractice-insurance/
https://www.alllaw.com/articles/nolo/medical-malpractice/laws-california.html
In California, medical malpractice lawsuits by (or on behalf of) a minor child must be commenced within three years from the date of the alleged malpractice, except that lawsuits by (or on behalf of) a child under the age of six must be filed within three years of the occurrence of the malpractice, or prior to the child's eighth birthday, whichever timeline provides a larger filing window.
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