average cost of birth in hospital with insurance
1 The typical cost for a C-section without complications or a vaginal delivery with complications ranges from about $14,000 to $25,000 or more. 2  For patients with insurance, out-of-pocket costs usually range from under $500 to $3,000 or more, depending on the plan. The biggest factors affecting the cost of a birth are: whether it is vaginal or Cesarean; whether there are complications; and the length of the hospital stay. 2  Geographical location also plays a part; baby delivery is most expensive in the Northeast and on the West coast and least expensive in the south.