Pre-Existing Condition

Mom: Babies can be very expensive if they’re not born healthy.

Dad: They can be really expensive even if they are born healthy.

Mom: Well the insurance company doesn’t care about putting them on the plan after they’re born as long as they’re healthy.

Dad: That’s because they don’t have to pay for college.

In case you’re confused:
My parents sell insurance.
My mother is explaining why people can’t get approved for health insurance if they’re a woman who is pregnant or if they’re a man who has impregnated someone.
I have two brothers in college.
My dad’s hobby is worrying about money.