Where I am in the US the average cost of first birth without c-section is ~$8k to the patient. With c-section it's ~$20k to the patient. ~30% of all births where I am are c-sections. These prices do not include any other treatment to the mother or child, only the delivery fee. I assume these prices include medicaid/VA patients as well, but I cannot confirm. Likely that means people not under government insurance are paying more than what I stated, but I'd go with those numbers with a gun to my head.

So, the simple act of having children in my part of the US is quite expensive.