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I'm having a baby
A vaginal delivery. This figure covers the whole episode — prenatal care, the delivery itself, and postpartum care.
Typical US price before insurance
$15,712
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).
Of this, the average person with employer insurance paid $2,563 out of pocket.
What you'd actually pay
—
Where you live
$15,712
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.