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That's the most laughable part of this idea. Even with a great insurance plan that $5k is basically a hospital discount. Furthermore, the few people I know that are interested in having more kids and have "uneventful" home births under their belt, thus minimal medical bills, are all Hispanic.
Let's not spread incorrect numbers, our hmo made the cost of labor about $100 (maybe because of California). Childcare, formula, etc is still way more than $5k but labor is only expensive with bad insurance or no insurance, which is actually kind of more ironic since that applies more to MAGA than the rest of us.
That's the fucked up part about America. You can walk out of a hospital with no bill or life-crippling debt depending on your age, income level, state, and employer (i.e. employer-based insurance).
I'll say life-crippling debt roulette is certainly one of the more frustrating aspects of our system, yeah. Non-labor costs are a hit or miss of rejections, especially, since you don't have the same protections.
E.g. Indiana friend owes 40k for a 15 dollar mandatory procedure, for instance, and he has to fight it since it's clearly a random rejection. It's very upsetting. I just don't want to paint the picture it's always life-crippling, just... very random.
Not in California, but we had twins, a couple days stay in the hospital, and have really good insurance. Still got billed 7k for the supposedly 80k total the hospital was billing for.