How Much It Costs To Have A Baby In Every State, Whether You Have Health Insurance Or Don't

The cost of having a baby depends on where you live, how you give birth, and whether you have health insurance.Anna Jurkovska/Shutterstock

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. Kate Middleton, Duchess of Cambridge, was likely billed less than that to bring new royal baby boy, Prince Louis Arthur Charles, into the world. For 24 hours in a deluxe room and a non-Caesarean delivery in 2015, the Lindo Wing charged £5,670, or $8,900 — and that's for luxurious maternity ward accommodations.

When considering the fact that in the US, 2,684,803 mothers had a vaginal birth and 1,258,581 mothers had a c-section in 2016, 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. Nearly 32% of all births in 2016 were c-sections — a rate that has increased by nearly 50% since the 1990s, reports The Guardian.

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, ranked from least expensive to most. 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.

50. Alabama

Cost of having a baby:

Vaginal birth with insurance: $4,884.44

Vaginal birth without insurance: $9,013.88

C-section with insurance: $7,404.07

C-section without insurance: $12,593.60

49. Rhode Island

Cost of having a baby:

Vaginal birth with insurance: $4,987.38

Vaginal birth without insurance: $9,147.54

C-section with insurance: $7,939.74

C-section without insurance: $13,610.95

48. Nebraska

Cost of having a baby:

Vaginal birth with insurance: $5,223.61

Vaginal birth without insurance: $9,611.30

C-section with insurance: $8,039.19

C-section without insurance: $13,893.06

47. Louisiana

Cost of having a baby:

Vaginal birth with insurance: $5,409.55

Vaginal birth without insurance: $9,887.10

C-section with insurance: $7,791.89

C-section without insurance: $13,225.10

46. Utah

Cost of having a baby:

Vaginal birth with insurance: $5,454.84

Vaginal birth without insurance: $9,919.41

C-section with insurance: $8,132.89

C-section without insurance: $13,887.42

TA Oneshot/Shutterstock

45. Arkansas

Cost of having a baby:

Vaginal birth with insurance: $5,524.18

Vaginal birth without insurance: $10,062.24

C-section with insurance: $7,989.74

C-section without insurance: $13,602.12

44. Kansas

Cost of having a baby:

Vaginal birth with insurance: $5,566.41

Vaginal birth without insurance: $10,216.65

C-section with insurance: $8,415.16

C-section without insurance: $14,651.73

43. Hawaii

Cost of having a baby:

Vaginal birth with insurance: $5,622.85

Vaginal birth without insurance: $10,332.87

C-section with insurance: $8,160.38

C-section without insurance: $14,147.39

42. Kentucky

Cost of having a baby:

Vaginal birth with insurance: $5,647.04

Vaginal birth without insurance: $10,485.97

C-section with insurance: $8,427.77

C-section without insurance: $14,518.31

41. Iowa

Cost of having a baby:

Vaginal birth with insurance: $5,647.90

Vaginal birth without insurance: $10,452.98

C-section with insurance: $8,456.64

C-section without insurance: $14,590.62

40. Mississippi

Cost of having a baby:

Vaginal birth with insurance: $5,651.97

Vaginal birth without insurance: $10,430.48

C-section with insurance: $8,576.33

C-section without insurance: $14,955.90

Kwangmoozaa/Shutterstock

39. Ohio

Cost of having a baby

Vaginal birth with insurance: $5,705.76

Vaginal birth without insurance: $10,609.60

C-section with insurance: $8,090.67

C-section without insurance: $13,820.24

38. West Virginia

Cost of having a baby:

Vaginal birth with insurance: $5,717.18

Vaginal birth without insurance: $10,301.50

C-section with insurance: $8,429.48

C-section without insurance: $14,508.64

37. Idaho

Cost of having a baby:

Vaginal birth with insurance: $5,772.21

Vaginal birth without insurance: $10,476.10

C-section with insurance: $8,338.79

C-section without insurance: $14,405.24

36. New Mexico

Cost of having a baby:

Vaginal birth with insurance: $5,819.31

Vaginal birth without insurance: $11,033.96

C-section with insurance: $8,391.94

C-section without insurance: $14,677.68

Teerachai_P/Shutterstock

35. Maine

Cost of having a baby:

Vaginal birth with insurance: $5,879.74

Vaginal birth without insurance: $10,685.24

C-section with insurance: $8,093.16

C-section without insurance: $13,761.92

34. Missouri

Cost of having a baby:

Vaginal birth with insurance: $5,904.83

Vaginal birth without insurance: $10,906.82

C-section with insurance: $8,883.15

C-section without insurance: $15,534.41

33. Michigan

Cost of having a baby:

Vaginal birth with insurance: $5,978.05

Vaginal birth without insurance: $10,957.85

C-section with insurance: $8,443.70

C-section without insurance: $14,530.95

32. Delaware

Cost of having a baby:

Vaginal birth with insurance: $5,978.86

Vaginal birth without insurance: $10,933.21

C-section with insurance: $8,373.46

C-section without insurance: $14,367.51

31. Minnesota

Cost of having a baby:

Vaginal birth with insurance: $6,011.99

Vaginal birth without insurance: $11,031.86

C-section with insurance: $8,809.20

C-section without insurance: $15,231.75

30. Oklahoma

Cost of having a baby:

Vaginal birth with insurance: $6,057.96

Vaginal birth without insurance: $11,287.31

C-section with insurance: $8,619.79

C-section without insurance: $15,055.99

Zoia Kostina/Shutterstock

29. Montana

Cost of having a baby:

Vaginal birth with insurance: $6,101.17

Vaginal birth without insurance: $11,176.59

C-section with insurance: $8,473.76

C-section without insurance: $14,641.75

28. South Dakota

Cost of having a baby:

Vaginal birth with insurance: $6,121.19

Vaginal birth without insurance: $11,175.50

C-section with insurance: $8,793.36

C-section without insurance: $15,406.29

27. South Carolina

Cost of having a baby:

Vaginal birth with insurance: $6,141.69

Vaginal birth without insurance: $11,377.81

C-section with insurance: $8,727.16

C-section without insurance: $15,103.24

26. New Hampshire

Cost of having a baby:

Vaginal birth with insurance: $6,207.80

Vaginal birth without insurance: $11,487.32

C-section with insurance: $9,409.77

C-section without insurance: $16,803.04

Anna_G/Shutterstock

25. Indiana

Cost of having a baby:

Vaginal birth with insurance: $6,347.41

Vaginal birth without insurance: $11,837.14

C-section with insurance: $9,355.35

C-section without insurance: $16,602.23

24. North Carolina

Cost of having a baby:

Vaginal birth with insurance: $6,407.91

Vaginal birth without insurance: $11,848.73

C-section with insurance: $8,971.04

C-section without insurance: $15,670.46

23. Washington

Cost of having a baby:

Vaginal birth with insurance: $6,408.83

Vaginal birth without insurance: $11,769.31

C-section with insurance: $9,338.87

C-section without insurance: $16,439.41

22. Virginia

Cost of having a baby:

Vaginal birth with insurance: $6,493.98

Vaginal birth without insurance: $12,065.79

C-section with insurance: $9,557.10

C-section without insurance: $16,970.82

21. Vermont

Cost of having a baby:

Vaginal birth with insurance: $6,502.27

Vaginal birth without insurance: $12,074.59

C-section with insurance: $10,644.78

C-section without insurance: $19,525.80

20. Maryland

Cost of having a baby:

Vaginal birth with insurance: $6,508.44

Vaginal birth without insurance: $11,820.32

C-section with insurance: $9,110.67

C-section without insurance: $15,820.97

19. Pennsylvania

Cost of having a baby:

Vaginal birth with insurance: $6,508.44

Vaginal birth without insurance: $11,820.32

C-section with insurance: $9,110.67

C-section without insurance: $15,820.97

Shark_749/Shutterstock

19. Pennsylvania

Cost of having a baby:

Vaginal birth with insurance: $6,535.24

Vaginal birth without insurance: $12,037.00

C-section with insurance: $9,797.40

C-section without insurance: $17,452.53

18. Colorado

Cost of having a baby:

Vaginal birth with insurance: $6,648.17

Vaginal birth without insurance: $12,549.70

C-section with insurance: $9,358.13

C-section without insurance: $16,574.70

17. Georgia

Cost of having a baby:

Vaginal birth with insurance: $6,693.32

Vaginal birth without insurance: $12,447.83

C-section with insurance: $9,427.23

C-section without insurance: $16,711.12

16. Tennessee

Cost of having a baby:

Vaginal birth with insurance: $6,696.51

Vaginal birth without insurance: $12,602.76

C-section with insurance: $9,328.75

C-section without insurance: $16,465.34

Elena Sherengovskaya/Shutterstock

15. Oregon

Cost of having a baby:

Vaginal birth with insurance: $6,725.62

Vaginal birth without insurance: $12,231.67

C-section with insurance: $9,569.14

C-section without insurance: $16,973.33

14. Arizona

Cost of having a baby:

Vaginal birth with insurance: $6,806.76

Vaginal birth without insurance: $12,930.96

C-section with insurance: $9,599.50

C-section without insurance: $17,198.69

13. Texas

Cost of having a baby:

Vaginal birth with insurance: $6,923.48

Vaginal birth without insurance: $13,149.87

C-section with insurance: $10,199.52

C-section without insurance: $18,425.98

12. Nevada

Cost of having a baby:

Vaginal birth with insurance: $6,947.47

Vaginal birth without insurance: $13,135.05

C-section with insurance: $10,130.72

C-section without insurance: $18,299.01

11. California

Cost of having a baby:

Vaginal birth with insurance: $7,001.03

Vaginal birth without insurance: $13,081.32

C-section with insurance: $10,102.40

C-section without insurance: $18,088.29

10. Wyoming

Cost of having a baby:

Vaginal birth with insurance: $7,018.03

Vaginal birth without insurance: $13,117.31

C-section with insurance: $10,017.69

C-section without insurance: $18,184.22

Anna_G/Shutterstock

9. North Dakota

Cost of having a baby:

Vaginal birth with insurance: $7,294.10

Vaginal birth without insurance: $13,191.93

C-section with insurance: $9,647.96

C-section without insurance: $16,993.96

8. Florida

Cost of having a baby:

Vaginal birth with insurance: $7,391.90

Vaginal birth without insurance: $13,923.95

C-section with insurance: $10,514.41

C-section without insurance: $18,864.02

7. Illinois

Cost of having a baby:

Vaginal birth with insurance: $7,447.68

Vaginal birth without insurance: $14,047.36

C-section with insurance: $10,511.16

C-section without insurance: $19,001.81

6. Connecticut

Cost of having a baby:

Vaginal birth with insurance: $7,906.21

Vaginal birth without insurance: $14,583.66

C-section with insurance: $11,188.13

C-section without insurance: $20,410.99

warapong chodokmai/Shutterstock

5. Massachusetts

Cost of having a baby:

Vaginal birth with insurance: $7,949.91

Vaginal birth without insurance: $14,618.17

C-section with insurance: $10,349.98

C-section without insurance: $18,461.72

4. Wisconsin

Cost of having a baby:

Vaginal birth with insurance: $8,278.86

Vaginal birth without insurance: $15,798.92

C-section with insurance: $11,757.92

C-section without insurance: $21,703.62

3. New York

Cost of having a baby:

Vaginal birth with insurance: $8,449.33

Vaginal birth without insurance: $15,518.68

C-section with insurance: $11,387.63

C-section without insurance: $20,706.77

2. New Jersey

Cost of having a baby:

Vaginal birth with insurance: $8,755.88

Vaginal birth without insurance: $16,674.62

C-section with insurance: $11,637.74

C-section without insurance: $21,297.28

1. Alaska

Cost of having a baby:

Vaginal birth with insurance: $10,681.28

Vaginal birth without insurance: $19,775.79

C-section with insurance: $14,927.76

C-section without insurance: $28,491.95

Eight Photo/Shutterstock

Read the original article on Business Insider. Follow us on Facebook and Twitter. Copyright 2018.

Read next on Business Insider: An odds-defying biotech startup made a free test that tells you your chances of getting pregnant this year

Comments

If you liked this story, you'll love these

This website uses cookies

This website uses cookies to improve user experience. By continuing to use our website you consent to all cookies in accordance with our cookie policy.