this post was submitted on 13 Feb 2026
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I don't know what the cost for my insurer was, because we never even got a bill in the mail. I even called the financial office or whatever it's called for Kaiser and made sure we didn't owe anything and they said that we were covered and owed nothing out of pocket.
My post was a reflection of my own personal anecdote because I see stuff online all the time that insurance is terrible in the US and that we all pay $20k for a birth when that isn't the case for everyone. I mean if the average is $18k then someone is definitely paying that amount(or more, because average) but some also pay zero. My post wasn't meant to diminish. I also think all of this should be free for everyone anyway.
I do also think some people pay more than they have to, as in they are having unprotected sex and can switch to a HMO over a PPO, but they stay on the PPO plan because it's "cheap" and end up paying $20k for a birth when they could've switched to a HMO before hand and paid the $50-$500 a month(depending on employer or if your state has a marketplace) and saved the difference. But they don't think that far ahead.