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is this written into the law as covered before deductible and maximum out of pocket?
Yes and yes although the latter can be quite high. I'm not saying our healthcare isn't insane, I'm just saying it costs nowhere near 18k outside of edge cases. In reality full time daycare will run you 22k/yr for a moderate cost of living area and is, by a long shot the most expensive portion until college.
I mean if i get to maximum out of pocket its a bit over 7 grand now which tends to be about the same as my monthly cost on the insurance for the year and one kid will raise my monthly cost from spouse only to family (although keep em coming as after that they are all free). One decent surgery can pretty much push to max out of pocket. Of course that is max out of pocket for what is covered. Like this machine that automatically ices and puts pressure on an area and is proven to have better outcomes from surgery is not covered (one of the many health insurance chicken contests. sure we will pay more because you will have more issues if you don't get it but you will have to live with lower quality of life). Anyway just some perspective on cost because while not 22k it can get up there.
Yes, in edge cases. None of it, even the extreme edge case, adds up to the 80k in daycare until college. For the large majority birth is a trivial concern vs the loss of income or daycare.
This is basic math.
well im not sure I consider myself and edge case but I get your point.