My wife, 3 year old daughter, and I have individual health insurance, since I am self employed and my wife does not work. Our health insurance does not cover prenatal and postnatal care, nor a baby delivery at the hospital. So if we wanted to have a second child, it would cost $7,000 according to my wife's Ob-Gyn for the prenatal and postnatal care, and for a regular delivery at the hospital; it would be $9,000 total if there was a c-section. We would have to pay the entire fee at least 2 weeks before the delivery. I'm not sure if all Ob-Gyn's and hospitals are like that, but ours is. If there are complications or the baby is born premature and the baby requires to be in the hospital for more than 2 (regular delivery) or 4 (c-section) days, then the hospital charges $1,500 per day, which is outrageous. It is so unfair that we have to pay such a high fee to have a baby, especially since many people come to this country and have their babies for free and never pay a dime. We have decided not to have any more children.