I was 20 weeks pregnant when my husband and I learned our firstborn would be born missing the entirety of her right leg as well as her left forearm. We had many questions, but we never questioned whether our health insurance would deny her before she was even born; we never questioned whether our health insurance would pay for a prosthetic leg or arm. At the time, my husband happened to be working as a software engineer for a company with over 50 employees. However, if he had been an independent contractor or working for a startup (as he had been for the last many years), then she would not...