Thank you for your insight.

I really wish I could have an HBAC but my health insurance emphatically will not cover a home birth and I cannot afford to pay for it myself.  I looked into the cost and it was nearly $4,000.  Might as well be 4 million.  So I'm stuck with what is covered.

It's a hard decision to make.  I suppose I can always practice informed refusal at the hospital.