“This increase was largely driven by increased spending among women with deductibles.”. According to federal government estimates, U.S. parents shouldn’t pay more than 10% of their annual household income on child care. Nikki Kahn / The Washington Post via Getty, What Happens When You Don’t Pay a Hospital Bill. The cost of giving birth in the USA is not cheap. Birth tourism which is used to describe the act of traveling down to a foreign country for the purpose of delivering a baby has become very popular among Nigerians especially to countries like Canada, United Kingdom and the United States. It’s not an issue parents tend to focus on but the figures support the fact that food takes up 18% of all child care financial costs. The cost of having a baby can be especially steep for the 45 percent of women whose pregnancies are unplanned. The cost to see an ob/gyn is very high if you don't have insurance. So while I might quote you the average cost of childbirth, it's for the adjusted insurance rate. “This is the kind of money that causes people to go into debt,” Moniz says. David Anderson, a research associate with the Duke-Robert J. Margolis Center for Health Policy who was not involved in the study, says while this study reinforces the effect of high deductibles on American patients, it has some drawbacks. Childcare and education = 16% of all costs. Combined, that can easily run into thousands of dollars. I had an uncomplicated vaginal birth. 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. Usually will cover all your needs for delivery, just depends on the package. For women in many developed countries, having the baby—not paying for it—is the hard part. Benefits of Giving Birth in the US. The cost of having a baby can really add up at the hospital. The cost of having a baby depends on where you live, how you give birth, and whether you have health insurance. The US is one of the few countries that allows for birthright citizenship. Often, two working parents will have a baby and one of them will opt to leave the workforce, for the short- or long-haul, to care for their child or children. I’m currently 39.3 weeks pregnant with our 2nd daughter (get out little baby) and as of right now I’ve paid about 5k … How much does that spending translate into cash dollars? According to data from the U.S. Department of Agriculture, which regularly tracks the price tag attached to raising a child in the U.S., the average family “will spend approximately $12,980 annually per child in a middle-income (i.e., with an income of $59,200-$107,400), two-child, married-couple family.”. Federal government data generally breaks down household parenting costs as follows: All told, by the time that newborn baby turns age 18, U.S. families will have spent an average of $233,610 on their child – and that is before college tuition bills start factoring in to the household budget. Read: Americans are going bankrupt from getting sick. I can't believe how much labor & delivery costs have increased for us over the years. On the high end, in … This study, like many others, highlights the limits of American health insurance, including for those who are insured. Many doctors charge £1,625 and up for prenatal care in addition to £1,950 or more for the birth. The numbers do vary on a state-by-state basis, although the figures are always higher when having a baby without health insurance. For example, parents can be expected to spend approximately $50 a week on baby food, diapers, and baby formula alone. Some women, in fact, might literally not be able to afford to get pregnant. When women worry about paying for their labor expenses, Moniz points out, they might delay or miss certain elements of their prenatal or postpartum care. Baby #1 (born 2002) cost less than $2K, baby #2 (2005) cost $2.5K and baby #3 (2008) cost $3k. On a per-season basis, parents are expected to spend between $500 and $1,000 annually on organized sports, according to the Aspen Institute. Homebirth Even though the Affordable Care Act brought order to the wild west of health insurance, customers can still get stuck with large bills. Here is the total amount of the bill for genetic testing sent to our insurance company: US$26,755. Now baby #4 has been born (2012) & our insurance claims are saying we owe $5200 so far & they haven't even processed my OB's claim yet. The total cost for a birth depends on any complications you or the baby may have. There’s nothing like the sheer joy of raising a child to adulthood, and seeing that child go out and change the world. Vaginal deliveries, the researchers found, cost women an average of about $4,314 out of pocket in 2015, up from $2,910 in 2008. However, these prices depend a lot on the insurance, local laws, and many other things. Action Alerts PLUS is a registered trademark of TheStreet, Inc. data from the U.S. Department of Agriculture. This isn’t to shine a negative light or cast aspersions on anyone who has a growing family. While the price of delivering a newborn baby varies significantly from country to country (for instance, it only costs $60 to have a baby in Finland, although citizens pay substantially more in taxes for the discount), the cost to U.S. parents is skyrocketing. The average out-of-pocket costs of childbirth among women with employer health insurance increased 49%, from $3,069 to $4,569 from 2008 to 2015. By including all medical care in the 12 months leading up to delivery, he says, the Health Affairs authors risked overestimating the childbirth-related medical expenses of the women in the study. A Cesarean birth (C-section) without any other complications ranges from $14,000 to $25,000. The state with the lowest childbirth costs is Alabama. Children are priceless, but in the United States, giving birth to one is far from free. That’s a big disparity between having a new child with health insurance compared to having one without health insurance. For example, in Iowa, a traditional delivery costs $6,400 with insurance and $10,900 without insurance. Vaginal birth $4,884.44 – $10,681.28 The high cost of bearing children, in part, also helps explain why the U.S. has one of the highest maternal-mortality rates in the developed world. Because they might not have been expecting a baby when they signed up for their health plans, they might not have set aside the money to pay for their delivery or signed up for coverage that would have taken care of more of their delivery costs. In the new study, Moniz and her colleagues found that the percentage of women with deductibles rose from about 69 percent to about 87 percent in the seven-year time period. Signing a child up for soccer or gymnastics doesn’t cost nearly as much as day care or pre-school fees and charges, but doing so will ding the household bank account. The cost is anywhere between $2,000-$4,000 depending on your location, extent of your home birth plans, and the availability and price of a midwife, which we will be discussing in this article. It also helps explain why American women are having babies at record low rates. (Childbirth is the No. The amount is for people without insurance. 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