The Average Cost Of Giving Birth In America Is $4500 — Even With Insurance
Researchers also found that high costs of labor and delivery remain despite the changes put into effect with the Affordable Care Act, which required insurance provided by employers to cover maternity services. Even so, insurance companies “pass on certain costs” to patients via co-payments and deductibles. The typical deductible payment during this same time period rose from just over $1,500 to nearly $2,500, while coinsurance rose about $300.
“I was completely surprised that the phenomenon of having to pay something out of pocket for maternity care was almost universal,” said Moniz. “98% of people had some out-of-pocket cost by the end of the study.”by insurance. Childbirth costs vary by state, but for women without insurance, those costs can skyrocket to around $32,000,“Most Americans have very little money set aside for an unexpected healthcare costs. 45% of pregnancies in the U.S. are unplanned,”.
Moniz is hopeful her study will shed light on the high cost of having a baby and protecting women in America. “The U.S. is the only high-income country with a rising maternal mortality rate — all our peer countries have declining maternal mortality rates,” said Moniz. “We need policies that reduce or eliminate patients’ out-of-pocket costs for maternity care. These are essential health services that every family should be able to access, without going into debt.
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