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20 years ago when malpractice premiums accounted for no more than 7-10% of revenue doctors decided they had enough and all went out of the straight OBGYN business and instead became 'high risk pregnancy specialists' which cut their premiums enormously. Why? Because now every patient is high risk, and the probability that something will actually go wrong with everyone is quite low, and, if something does go wrong, it was to be expected.