Ben Levi,
Either you misunderstood, or the ObGyns are not telling you the truth. Maybe the combined insurance for seven ObGyns was over a million dollars?
The reason that much of the Mexican population is migrating to the US is that free trade has devastated the agricultural sector in Mexico, disappearing millions of jobs. NAFTA was a scam in that it permitted free movement of capital and goods but not labor. The EU is a much better system.
I agree with the need for compensating patients who have been injured through medical errors — recovering actual damages may be a Torah right! But most “malpractice” lawsuits aren’t about errors they are about bad outcomes. And Texas’ experience with capping malpractice awards has shown that it does nothing to fix the system.