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My baby is born premature
A NICU admission. This is the single most variable bill in American healthcare.
Typical US price before insurance
$71,158
$4,488typical range$161,929
This is an allowed amount — the price actually negotiated with insurers, not the inflated list price. Source: Health Care Cost Institute — NICU use and spending (2021).
Range shown is the 10th to 90th percentile. The highest-acuity (Level IV) NICU stays average over $128,000.
What you'd actually pay
—
Where you live
$71,158
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.