Birth control is largely free in the USA. Birth control is also covered by health insurance ala the ACA.

I think you need a reality check. Come over to r/birthcontrol and see how much lots of women still have to pay out of pocket. And you realise that some health insurances only offer very limited options?

Listen, I'm not sure what your point is. If OP is worried about this, having a gf that isn't on some form of primary birth control, it's a red flag. Not just to me, to many many people

Then simply don't have sex with them. Fact is, tons of women aren't on birth control for different reasons. Wanting a kid isn't one of them.

We'll see in the future how many men will use hormones or whatever regularly once there are more options for men out there.