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I need a C-section
A cesarean delivery, covering the full pregnancy-to-postpartum episode.
Typical US price before insurance
$28,998
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).
Average out-of-pocket for insured patients: $3,071. A C-section costs roughly $13,000 more than a vaginal delivery.
What you'd actually pay
—
Where you live
$28,998
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.