absolutely financial over here. it can be hard, and sometimes impossible, in MA to get homebirth covered because a lot of the companies that say they cover homebirth will only cover it with a CNM, and in MA it is illegal for a CNM to attend a homebirth, so yeah.
DH and i would love and are hoping for a homebirth. it will cost us around $3,500. if we went to one of the birth centers around here, it would cost us $250. all because of insurance.
do we want it to be about money? no. but at the same time, that $3,500 doesn't grow on trees. if we don't have an extra few thousand bucks to pay for a homebirth, we don't have a lot of options. we need to eat and have a place to live, so spending months' worth of food and rent on birth is a difficult decision. i mean, we can't have a homebirth if we're homeless, but our HBMW would deserve to be paid fairly for her work!
i am hoping to find a MW who uses a sliding scale or is willing to do a barter, because DH and i want a homebirth so badly next time around, but if it ends up coming down to the fact that we simply cannot afford it, we will be birthing out of home with DC#2 as well.

really, if the healthcare industry just stopped denigrating homebirth and we could actually have it be covered by insurance, it would be an absolute no-brainer for us.