I spoke with a physician today who gave me the usual horror study about ob/gyn and how I won't be able to afford to practice...etc. I live in one of the "crisis" states and she said she knows collegues who had to quit once their insurance rates reached 300K. $300,000?!?!?! Holy crap! Is this seriously a possibility? I have always wanted to do OB, it is the reason I am in med school. But now I will be sitting on $200k of debt... it is starting to freak me out! I know that no one likes to talk about salary but, I need a straight answer. When the national average salary is listed as $250K, is that before or after paying costs like insurance? And if you are a hospital employee and have your insurance paid for you, what is the ballpark salary? I just want some clear answers. Thank you!