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Private hospital in NYC: Just the hospital "room and board" line is north of $40k: $13k per night of "enhanced nursery" for the newborn and around $10k per night for Mom. That's before all the doctors add their services.

No idea how you can make it lower than $10k :) Where was that?

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Iowa. I think the base rate here is about $1k / night. Could be wrong on that though. Our oldest is four and half now, so it's been a while. It's possible I just didn't read the bills correctly. Either way I'm sure it was less than what you describe.

My experience in one of the most expensive suburbs of NYC, at the most highly rated hospital in the state, a baby with standard 2 night stay and delivery and no complications cost $20k or so all together with about $5k out of pocket on a gold HSA plan a couple years ago.

We only paid $6k from HSA (maxing out the out-of-pocket) but that Mt Sinai hospital charges $80k (after adjustments) and the insurance pays the rest. I should add there was a C-secyion that barely added $10k to the bill.

I know, couldn't believe it either

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