You must not be familiar with us health care. Max out of pockets are usually reasonable and certainly not life altering. Try looking up when the crappy plans in the aca.

Example.

Old articles, but I don't imagine it has changed all that much;

http://www.cnbc.com/2016/06/30/costs-of-delivering-babies-va...

http://www.bbc.co.uk/news/business-31052665

That does not seem reasonable to me.

What seems reasonable for maternity stay is it being totally free.