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How much does having a baby (vaginal delivery) cost?

An uncomplicated vaginal delivery. Medicare covers few births, so this is a reference price; commercial prices are usually far higher. What Medicare pays in each setting, in every state, and where it costs less.

Hospital stay
$4,906
Medicare 2026, national

An uncomplicated vaginal delivery. Medicare covers few births, so this is a reference price; commercial prices are usually far higher.

Look up the price in your ZIP codeAll services

By state

StateHospital stay
Alabama$4,104–$4,540
Alaska$5,372
Arizona$5,146
Arkansas$4,349–$4,640
California$6,301–$7,269
Colorado$5,082–$5,144
Connecticut$5,841
Delaware$5,077–$5,401
District of Columbia$4,691–$5,749
Florida$5,026
Georgia$4,177–$4,999
Hawaii$5,749
Idaho$4,737–$4,850
Illinois$5,170
Indiana$5,098–$5,267
Iowa$4,604–$4,915
Kansas$4,395–$4,531
Kentucky$4,488–$4,706
Louisiana$4,324–$4,513
Maine$4,716–$4,911
Maryland$4,488–$5,134
Massachusetts$5,840
Michigan$4,780–$4,799
Minnesota$4,961–$5,230
Mississippi$4,106–$4,429
Missouri$4,806
Montana$4,906
Nebraska$4,995
Nevada$5,085
New Hampshire$5,150
New Jersey$5,453–$5,785
New Mexico$4,747–$4,969
New York$6,102
North Carolina$4,576–$4,860
North Dakota$4,906
Ohio$4,528–$4,759
Oklahoma$4,606–$4,640
Oregon$5,381–$5,924
Pennsylvania$4,668–$5,116
Rhode Island$5,449
South Carolina$4,447–$4,672
South Dakota$4,906
Tennessee$4,333–$4,706
Texas$4,820
Utah$4,860
Vermont$4,761–$4,948
Virginia$4,676–$4,974
Washington$5,396–$5,674
West Virginia$4,594–$4,974
Wisconsin$4,654–$5,042
Wyoming$4,906

Questions

How much does having a baby (vaginal delivery) cost?

Medicare's 2026 national price for having a baby (vaginal delivery) is $4,906 at hospital stay. Prices vary by area; private insurance usually pays more.

Is this what I will pay?

These are Medicare's payment rates, a public benchmark for a fair price. What you pay depends on your insurance, deductible and the provider. Ask for a written estimate before you book; if you are uninsured or paying yourself, you are entitled to a Good Faith Estimate.