Just so you understand the current insurance market climate properly. The government is strongly encouraging people to purchase insurance policies now, regardless of their preexisting conditions. They are handing out billions in subsidies, and New York and New Jersey have opened their enrollment through the end of the year. In addition, they allow pregnant women to purchase a policy retroactively from the beginning of the pregnancy (and encourage it). There is no "abuse of the system" if someone that is pregnant buys an insurance policy. On the contrary, they want you to do so. It could be that this is the beginning of the Medicare for All plan, but regardless, anyone can purchase a policy today during open enrollment regardless of their health history. It really bothers me anytime I see posts like this one in which people "jump to conclusions".
You can read this link for some more information on how much the government is pushing these plans and how much they are putting behind it:
https://khn.org/news/article/covid-relief-law-health-insurance-boost-aca-cost-analysis/As far as United Refuah is concerned, I just did a google search and could not find ONE negative review for them other than one person that was not accepted for membership and was disappointed. They have 4.9 stars in Google, and they are in their fourth year of business with thousands of members in 33 states. I don't know what the situation is with this high risk birth that you mentioned, but I would be very careful to express negative opinions of a Jewish organization based on guessing.
