Baby Costs: What to Expect the First Year

baby costsThe baby cost: Labor and childbirth

Depending on which state you live in, the cost for a vaginal hospital birth with no complications ranges from $8,000 to $16,000, according to the U.S. Agency for Healthcare Research and Quality. (C-sections can cost up to $5,000 more.) Most insurance plans will cover anywhere from 25 to 90 percent of the bill, including the epidural. And there are ways to lower your out-of-pocket payment even more: You can avoid extra charges like having a television or phone in your room, and pack your own toiletries, diapers, and wipes if your hospital charges extra for them.