Beth Vial only learned she was pregnant toward the end of her second trimester.

This was astonishing news: A few years before she began her freshman year of college in 2017, Vial, now 27, of Portland, Ore., had been diagnosed with polycystic ovarian syndrome (PCOS) and irritable bowel syndrome. A doctor told her she wouldn’t be able to get pregnant without medical intervention, and said she would need to go on birth control to balance her hormones.

But complications with her parents’ health insurance at the time delayed Vial from filling her birth control prescription for over a week.

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Market Watch