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I'm having a baby

A vaginal delivery. This figure covers the whole episode — prenatal care, the delivery itself, and postpartum care.

Typical US price before insurance

$15,712

This is an allowed amount — the price actually negotiated with insurers, not the inflated list price. Source: Peterson-KFF Health System Tracker — pregnancy & childbirth costs (2021–23).

Of this, the average person with employer insurance paid $2,563 out of pocket.

What Medicare pays for the same care $10,569

Private insurers pay 1.5× what Medicare pays for this.

All-in: $8,355 to the hospital plus $2,214 to the doctor (IPPS/MS-DRG, 2024). Divide the two figures above and you get our ratio — check our arithmetic. Source: CMS.

What you'd actually pay

Your coverage

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Where you live

Your state

$15,712

The national average price.

State prices from RAND's hospital price study — how much your state's hospitals charge private insurers relative to Medicare. This is a statewide price level, not a per-procedure state price. Maryland isn't shown: it sets hospital rates for all payers, so the comparison doesn't apply there.

This is an estimate, not a bill. It applies published average deductibles and a 20% coinsurance (KFF's measured average for a hospital admission) to a national average price. Your actual plan, hospital and diagnosis will move this number. Not medical or financial advice.