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How Much It Costs To Have A Baby In Every State, Whether You Have Health Insurance Or Don'T(1)

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

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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

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