The cost of childbirth and postpartum health care results in significant, ongoing financial hardship, particularly for lower-income families with commercial insurance.
High cost of childbirth and postpartum care causes biggest financial hardship for lower-income families with commercial insurance About half of people who give birth in the United States are covered by commercial health insurance, which typically requires cost-sharing in the form of deductibles, copayments, and coinsurance.
Overall, Medicaid was financially protective for birthing families relative to commercial insurance. The vast majority of people with a Medicaid-covered birth did not have any out-of-pocket spending on childbirth or health care in the postpartum year . However, even small amounts of cost-sharing were associated with outstanding medical debt.
"Policies to improve the affordability of childbirth can also be viewed as investments in early child health and development.
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