Medical Cost of Mother and Baby No Complications Normal Delivery Baby's Wardrobemothers
How much it costs to have a baby in every state, whether you have health insurance or don't
Updated
2019-12-09T17:56:00Z
- The average cost of having a baby in the US is $10,808.
- In 2016, 2,684,803 mothers had a vaginal birth and 1,258,581 mothers had a c-section, the latter of which is on the rise.
- FAIR Health gave Business Insider a state-by-state view of how much it costs to have a baby in every state for both a vaginal birth and c-section, with and without insurance.
- Visit Business Insider's homepage for more stories.
The cost of having a baby isn't cheap — in the United States, at least.
The average cost to have a baby in the US, without complications during delivery, is $10,808 — which can increase to $30,000 when factoring in care provided before and after pregnancy.
When considering the fact that in the US, 2,621,010 mothers had a vaginal birth and 1,232,339 mothers had a c-section in 2017, according to the Centers for Disease Control and Prevention, that's a lot of money going into the healthcare system just from maternity costs.
C-sections are the more costly of the two, and they're on the rise. The likelihood of a C-section in the US has increased by 500% since the early 1970s, reported Neel Shah for US News.
But whether you have a vaginal birth or a C-section, the cost varies depending on what state you live in. FAIR Health provided Business Insider with a state-by-state view on just how much it costs to have a baby in every state.
Scroll through below to find out how much it costs to have a baby in your state, listed alphabetically. We've included the median cost of having a vaginal birth with insurance and having a vaginal birth without insurance, as well as the cost of having a c-section with insurance and having a c-section without insurance.
The cost with insurance reflects the full hospital bill. Actual out-of-pocket costs would be lower and dependent on the coinsurance or copay included in the individual's health insurance plan. The cost without insurance is based on the full amount a hospital might bill, which an uninsured person would be fully responsible for unless other arrangements were made.
Alabama
Cost of having a baby:
Vaginal birth with insurance:$5,230.46
Vaginal birth without insurance:$9,516.86
C-section with insurance:$8,221.42
C-section without insurance:$13,589.75
Alaska
Cost of having a baby:
Vaginal birth with insurance:$11,609.95
Vaginal birth without insurance:$20,243.38
C-section with insurance:$16,707.29
C-section without insurance:$28,617.34
Arizona
Cost of having a baby:
Vaginal birth with insurance:$8,034.32
Vaginal birth without insurance:$14,812.45
C-section with insurance:$10,699.23
C-section without insurance:$18,023.04
Arkansas
Cost of having a baby:
Vaginal birth with insurance:$5,724.24
Vaginal birth without insurance:$10,172.09
C-section with insurance:$8,616.81
C-section without insurance:$13,970.83
California
Cost of having a baby:
Vaginal birth with insurance:$7,755.49
Vaginal birth without insurance:$13,974.77
C-section with insurance:$11,390.88
C-section without insurance:$19,184.14
Colorado
Cost of having a baby:
Vaginal birth with insurance:$7,435.49
Vaginal birth without insurance:$13,593.07
C-section with insurance:$10,356.17
C-section without insurance:$17,713.57
Connecticut
Cost of having a baby:
Vaginal birth with insurance:$8,071.26
Vaginal birth without insurance:$15,000.57
C-section with insurance:$10,936.89
C-section without insurance:$19,692.76
Delaware
Cost of having a baby:
Vaginal birth with insurance:$6,496.76
Vaginal birth without insurance:$12,104.65
C-section with insurance:$10,280.30
C-section without insurance:$17,617.02
Florida
Cost of having a baby:
Vaginal birth with insurance:$7,745.00
Vaginal birth without insurance:$14,757.28
C-section with insurance:$11,917.39
C-section without insurance:$20,805.89
Georgia
Cost of having a baby:
Vaginal birth with insurance:$7,264.89
Vaginal birth without insurance:$13,410.70
C-section with insurance:$11,162.80
C-section without insurance:$19,328.71
Hawaii
Cost of having a baby:
Vaginal birth with insurance:$6,112.40
Vaginal birth without insurance:$10,552.42
C-section with insurance:$8,968.17
C-section without insurance:$14,445.19
Idaho
Cost of having a baby:
Vaginal birth with insurance:$6,550.40
Vaginal birth without insurance:$11,242.58
C-section with insurance:$9,485.11
C-section without insurance:$15,102.93
Illinois
Cost of having a baby:
Vaginal birth with insurance:$8,329.52
Vaginal birth without insurance:$14,725.11
C-section with insurance:$11,999.74
C-section without insurance:$19,631.75
Indiana
Cost of having a baby:
Vaginal birth with insurance:$6,805.89
Vaginal birth without insurance:$11,571.69
C-section with insurance:$10,749.93
C-section without insurance:$16,951.98
Iowa
Cost of having a baby:
Vaginal birth with insurance:$6,405.78
Vaginal birth without insurance:$10,938.84
C-section with insurance:$9,708.81
C-section without insurance:$15,135.67
Kansas
Cost of having a baby:
Vaginal birth with insurance:$6,368.52
Vaginal birth without insurance:$10,862.29
C-section with insurance:$10,287.78
C-section without insurance: $16,269.51
Kentucky
Cost of having a baby:
Vaginal birth with insurance:$6,111.73
Vaginal birth without insurance:$11,242.27
C-section with insurance:$9,055.16
C-section without insurance:$15,150.94
Louisiana
Cost of having a baby:
Vaginal birth with insurance:$6,008.24
Vaginal birth without insurance:$10,970.87
C-section with insurance:$8,542.98
C-section without insurance:$13,776.54
Maine
Cost of having a baby:
Vaginal birth with insurance:$5,947.02
Vaginal birth without insurance:$11,047.39
C-section with insurance:$9,162.19
C-section without insurance:$15,906.99
Maryland
Cost of having a baby:
Vaginal birth with insurance:$6,471.87
Vaginal birth without insurance:$12,596.52
C-section with insurance:$9,610.39
C-section without insurance:$16,425.80
Massachusetts
Cost of having a baby:
Vaginal birth with insurance:$7,741.64
Vaginal birth without insurance:$14,549.03
C-section with insurance:$11,012.54
C-section without insurance:$19,879.60
Michigan
Cost of having a baby:
Vaginal birth with insurance:$6,545.41
Vaginal birth without insurance:$11,211.17
C-section with insurance:$9,695.69
C-section without insurance:$15,107.17
Minnesota
Cost of having a baby:
Vaginal birth with insurance:$6,994.03
Vaginal birth without insurance:$11,721.86
C-section with insurance:$10,453.20
C-section without insurance:$15,646.02
Mississippi
Cost of having a baby:
Vaginal birth with insurance:$6,545.41
Vaginal birth without insurance:$11,211.17
C-section with insurance:$9,695.69
C-section without insurance:$15,107.17
Missouri
Cost of having a baby:
Vaginal birth with insurance:$6,327.80
Vaginal birth without insurance:$10,871.98
C-section with insurance:$9,830.36
C-section without insurance:$15,513.47
Montana
Cost of having a baby:
Vaginal birth with insurance:$5,962.30
Vaginal birth without insurance:$10,244.88
C-section with insurance:$8,484.98
C-section without insurance:$13,344.77
Nebraska
Cost of having a baby:
Vaginal birth with insurance:$5,775.12
Vaginal birth without insurance:$9,655.74
C-section with insurance:$8,756.02
C-section without insurance:$13,143.40
Nevada
Cost of having a baby:
Vaginal birth with insurance:$7,700.71
Vaginal birth without insurance:$13,761.86
C-section with insurance:$10,912.63
C-section without insurance:$18,266.84
New Hampshire
Cost of having a baby:
Vaginal birth with insurance:$6,648.16
Vaginal birth without insurance:$12,692.15
C-section with insurance:$9,569.52
C-section without insurance:$16,837.87
New Jersey
Cost of having a baby:
Vaginal birth with insurance:$8,963.92
Vaginal birth without insurance:$17,504.25
C-section with insurance:$11,662.16
C-section without insurance:$21,294.82
New Mexico
Cost of having a baby:
Vaginal birth with insurance:$5,946.97
Vaginal birth without insurance:$10,830.34
C-section with insurance:$9,096.24
C-section without insurance:$14,921.50
New York
Cost of having a baby:
Vaginal birth with insurance:$8,462.84
Vaginal birth without insurance:$16,057.74
C-section with insurance:$12,114.11
C-section without insurance:$22,059.22
North Carolina
Cost of having a baby:
Vaginal birth with insurance:$6,750.16
Vaginal birth without insurance:$11,991.33
C-section with insurance:$10,102.62
C-section without insurance:$16,839.97
North Dakota
Cost of having a baby:
Vaginal birth with insurance:$7,974.09
Vaginal birth without insurance:$13,277.45
C-section with insurance:$11,408.56
C-section without insurance:$17,647.14
Ohio
Cost of having a baby:
Vaginal birth with insurance:$6,138.46
Vaginal birth without insurance:$10,629.46
C-section with insurance:$9,100.74
C-section without insurance:$14,212.56
Oklahoma
Cost of having a baby:
Vaginal birth with insurance:$6,083.51
Vaginal birth without insurance:$11,266.83
C-section with insurance:$10,553.98
C-section without insurance:$18,121.42
Oregon
Cost of having a baby:
Vaginal birth with insurance:$7,351.16
Vaginal birth without insurance:$12,622.35
C-section with insurance:$10,972.50
C-section without insurance:$17,948.33
Pennsylvania
Cost of having a baby:
Vaginal birth with insurance:$6,458.71
Vaginal birth without insurance:$12,223.65
C-section with insurance: $10,349.39
C-section without insurance: $18,753.63
Rhode Island
Cost of having a baby:
Vaginal birth with insurance:$5,472.47
Vaginal birth without insurance:$10,385.63
C-section with insurance:$8,183.02
C-section without insurance:$14,088.87
South Carolina
Cost of having a baby:
Vaginal birth with insurance:$6,697.16
Vaginal birth without insurance:$12,277.26
C-section with insurance:$10,036.85
C-section without insurance:$16,707.30
South Dakota
Cost of having a baby:
Vaginal birth with insurance:$6,835.96
Vaginal birth without insurance:$11,457.59
C-section with insurance:$10,167.63
C-section without insurance:$15,994.09
Tennessee
Cost of having a baby:
Vaginal birth with insurance:$6,817.41
Vaginal birth without insurance:$12,587.19
C-section with insurance:$10,181.71
C-section without insurance:$17,157.99
Texas
Cost of having a baby:
Vaginal birth with insurance:$7,699.20
Vaginal birth without insurance:$14,641.11
C-section with insurance:$11,267.77
C-section without insurance:$19,551.97
Utah
Cost of having a baby:
Vaginal birth with insurance:$5,951.76
Vaginal birth without insurance:$10,199.52
C-section with insurance:$8,952.52
C-section without insurance:$14,252.80
Vermont
Cost of having a baby:
Vaginal birth with insurance:$6,219.90
Vaginal birth without insurance:$12,138.26
C-section with insurance:$9,734.18
C-section without insurance:$17,428.48
Virginia
Cost of having a baby:
Vaginal birth with insurance:$6,517.02
Vaginal birth without insurance:$12,342.55
C-section with insurance:$10,593.92
C-section without insurance:$18,261.83
Washington
Cost of having a baby:
Vaginal birth with insurance:$7,043.42
Vaginal birth without insurance:$12,210.33
C-section with insurance:$10,725.39
C-section without insurance:$17,680.54
West Virginia
Cost of having a baby:
Vaginal birth with insurance:$6,163.94
Vaginal birth without insurance:$11,108.51
C-section with insurance:$9,376.43
C-section without insurance:$15,553.63
Wisconsin
Cost of having a baby:
Vaginal birth with insurance:$10,171.19
Vaginal birth without insurance:$17,888.14
C-section with insurance:$14,239.59
C-section without insurance:$23,746.69
10. Wyoming
Cost of having a baby:
Vaginal birth with insurance:$7,724.00
Vaginal birth without insurance:$13,143.39
C-section with insurance:$11,331.72
C-section without insurance:$18,476.31
Hillary Hoffower
Correspondent, Millennial Wealth
Hillary reports on the intersection of youth culture and wealth, looking at the business, lifestyle, and financial behaviors of millennials. She covers trends in how high-net-worth millennials are living and spending, profiles millennial entrepreneurs, and examines how the economic environment millennials grew up in shaped them and their money habits. She also dives into the luxury landscape. She's investigated the French Riviera's pandemic party problem, explored Israel's luxury real estate market, and looked at how the ultrarich are reeling in flashiness in the name of safety. Here's a sampling of her work: — The world's youngest self-made billionaire hopes to power every future self-driving car with a technology that Elon Musk says is 'doomed' — Tiffany and the Trumps: Insiders describe how the president's younger daughter has charted what they say is a distant relationship with her father and come to terms with having America's most divisive last name — Yachting insiders detail the rampant sexual harassment aboard million-dollar ships, where crew members are promised a glamorous lifestyle and can instead find themselves trapped at sea with no one to turn to — Millennials came limping out of the Great Recession with massive student debt and crippled finances. Here's what the generation is up against if the coronavirus triggers another recession. — Class of 2020: A look at Gen Z as it graduates into chaos — How the American millennial is overcoming debt, the dollar, and the economy they were handed — College is more expensive than it's ever been, and the 5 reasons why suggest it's only going to get worse Hillary joined Business Insider in 2018 reporting on personal finance. Let her know what millennials are doing with their money by reaching her at hhoffower@businessinsider.com. Follow her on Twitter @hillary_tweets.
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Medical Cost of Mother and Baby No Complications Normal Delivery Baby's Wardrobemothers
Source: https://www.businessinsider.com/how-much-does-it-cost-to-have-a-baby-2018-4
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