How Much Does It Cost To Have A Baby With No Health Insurance? 
The cost of having a baby without health insurance could be as low as five thousand dollars if a mid wife and birthing center are used , and millions of dollars if your baby needs specialized care in a Neonatal Intensive Care Unit . The Affordable Care Act provides benefits for maternity and newborn care , plus hospitalization . Women can purchase a policy while pregnant that covers her preexisting pregnancy with no waiting period , provided she enrolls during the open enrollment period . The open enrollment period for 2014 ends on March 31 . The premiums paid for a policy would be much smaller than funding the costs of having a baby yourself . 