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The cost of having a baby isn't cheap — in the United States, at least.
2019-12-09
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
Nestor Bandrivskyy/Shutterstock
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
Eight Photo/Shutterstock
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
Shutterstock
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
TA Oneshot/Shutterstock
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
lastdjedai/Shutterstock
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
AJ Watt/Getty Images
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
Ilkin Zeferli/Shutterstock
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
thebigland/Shutterstock
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
dimarik/Getty Images
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
Getty Images
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
Joana Lopes/Shutterstock
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
ihorga/Shutterstock
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
Shutterstock
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
Anna_G/Shutterstock
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
Shutterstock
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
SGerace/Shutterstock
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
By Tomsickova Tatyana/Shutterstock
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
voyata/Shutterstock
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
Shark_749/Shutterstock
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
Shutterstock
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
warapong chodokmai/Shutterstock
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
33. New MexicoTomsickova Tatyana/Shutterstock
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
Lucertolone/Shutterstock
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
Kwangmoozaa/Shutterstock
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
Getty Images
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
Zoia Kostina/Shutterstock
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
Eight Photo/Shutterstock
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
Anna Jurkovska/Shutterstock
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
Olga Alper/Shutterstock
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
Shutterstock
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
Chatchai.wa/Shutterstock
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
Shutterstock
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
Alexei Zatevakhin/Shutterstock
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
Antonio Nardelli/Shutterstock
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
Shutterstock
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
Zoia Kostina/Shutterstock
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
Elena Sherengovskaya/Shutterstock
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
Shark_749/Shutterstock
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
Alexei Zatevakhin/Shutterstock
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
Shutterstock
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
Koretnyk Anastasiia/Shutterstock
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
Zoia Kostina/Shutterstock
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
Malykalexa/Shutterstock
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
Getty Images
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
chomplearn/Shutterstock
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
Malykalexa/Shutterstock
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
Zoia Kostina/Shutterstock
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
Rene Jansa/Shutterstock
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
Christy B/Shutterstock
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
Anna_G/Shutterstock
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
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