Cost of Having a Baby Without Insurance


A baby will always cost you money, time, energy, resources and stress. But will as well bring meaning to your life, rays of happiness on a rainy day and unconditional love. If you feel more than ready to receive all the joys a baby will bring, it’s not a bad idea to be prepared for the unpleasant as well. In time you will find the resources or energy you’ll need. When it comes to the cost of having baby, it’s better to be prepared. And if you don’t have insurance, you will want to read this article!

First of all, you have to know that cost vary from a city to another and the grand total can’t be the same for each family. Here is a list of the thing you will have to pay when having a baby:

  • Pre- and post-natal healthcare and hospital stay if uninsured: $5,000-$8,000;
  • Formula + Nursing (for the first year of the baby): $1,000 – $2,500;
  • Nursery Setup (bought one time): $2,000 (bedding set, a changing table, a crib, a mattress, crib blankets and sheets, mattress covers, a dresser and other optional setups such as a rocking chair);
  • Baby Gear (bought one time): $425 – $2,770 (a stroller, a car seat, a baby carrier, baby monitor, playpen or portable crib);
  • Supplies (for the first year): $1,000 (diapers, wipes, baby soap, lotion, powder, oil)
  • Clothes (for baby’s first year of life): $1,000 (shirts and pants, coats, outfits for cold and warm temperatures, booties and socks, hats, sleepers, maternity wear);
  • Child care (per year): $9,000 (costs range from $5,000 – $24,000 per year, depending on the city and childcare center).

The grand total is between $19,425 and $26,270 or even higher.

If you want to lower the costs as much as possible, there are a few ways you can do that, especially when it comes to medical expenses. Here are a few choices you should consider when uninsured.

  • State health insurance program – These are offered in several states. Qualifications vary from state to state.
  • Medicaid – This federally funded program provides medical assistance to low-income families and individuals.
  • gov – It facilitates federally funded health centers that provide basic medical care, including prenatal care on a sliding scale fee basis and it covers pregnancy costs.
  • COBRA – This program offers continuation of health coverage to individuals and families who lose their health benefits because of job loss or other qualifying circumstances.

Information is the key in solving any kind of problem, and that is why you should always inform yourself. Go online, ask you GYN, and talk to your family and friends. You’ll never know who can offer you priceless information that is vital for your next steps in life.


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