TK is great if you're on public health insurance. If you qualify for switching to private health insurance, you might find cheaper and better contracts for the cost of more bureaucracy and that having kids costs extra.
Public is an easy choice. Private is a very carefully made decision that can be worth it for some people in some situations. The entire industry is incentivised to sell private insurance, but it's not at all a "better" choice, just a financial move that may work for certain people.