It's at least something I guess, but retirement planning is a really really long forecast horizon and is inherently risky.
The lack of universal health insurance in the USA is basically traceable to the same societal shortcomings. Why should a rich banker support with his premium health insurance for a woman who gets pregnant - as he's not getting pregnant anyway. That's a very egoistical way to look at communal cooperation but at the end of the day the reason for why ACA is being sabotaged by many politicians.
I assume by "woman" you meant someone who is at or below poverty line, if so, I (and most people) don't have a problem chipping in.
The point you are missing is that right now, 90% of the US population cannot afford to pay for child-birth (or any other medical procedure) themselves (out of pocket), as they typically cost $20K and up.
With a reasonable market- (or single-payer-) based health-care system, most people (except for the poor and almost-poor) would be able to pay for their own health care. The current "system" in the US is a scam of major proportions.