Which advice do insurance companies use?
Which guidelines maximise their shareholder profits?
Long term, the guidelines that improve both maternal and infant health should impact them the least.
But no doubt some of the insurers will FAFO
Here in Australia some employers covers some vaccinations - mine provides flu free or will reimburse you for it. Some insurers will cover some of the ones the government doesn't provide but most are free from the government as part of medicare,