She doesn't "have to" do anything she doesn't wish to. If she thinks the costs outweigh the benefits, she need not get pregnant or she need not carry the pregnancy to term. However, women have the option of conceiving if they think the benefits outweigh the costs, a choice men don't have.
The idea that this is somehow a disadvantage to women is only sensible if you see women as slaves to their biology who are powerless to make sensible choices. I utterly reject that premise.
So there'd be insurances to compensate her temporary inability to carry out a job in the marketplace, insurances that a man would not have to contract.
If you have some kind of point, you're going to have to make some effort to tell me what it is. I'm not going to try to figure out how this could possibly be a point of some kind. Women have the free choice to procreate if they wish to or not to if they don't wish to. I cannot see how having a choice can be a bad thing. But if you can, you're going to have to explain it.
Then what are the (material) benefits anyway? The child owns itself. The emotional factor doesn't mean powerlessness "to make sensible choices", that's exaggerated. The bottom line still is that the market does not incentivize procreation in any form.
Even assuming this is true, so what? Is there some need to incentivize procreation? Is the human race in danger of extinction? Is your point that if people are free they will do what they want to do and they won't do what *you* want them to do? If so, I say great. People aren't yours to experiment on and social and biological pressures shouldn't force them to do things that aren't in their interest. If that means less procreation, that's fine with me. If it means more, that's fine with me too. I don't share your need to manage how people choose to live their own lives.