We have insurance: $250 health care credit, $1000 deductible, $2000 per individual out-of-pocket maximum. I know that seems crazy, but if we switched to a lower deductible we'd actually pay more in premiums than deductible.
Our CNM will be in the neighborhood of $3000+, we are paying her $125 a month because they want the majority of our portion to be paid before birth. Our portion will be about $1400, covering all the deductible and health care credit. That includes all prenatals, labor and birth, and the six-week check.
Then we pay the hospital stay, one for me and one for the baby. Somewhere in the neighborhood of...oh I can't remember just now. But it's insane, of course. Especially if you stay the recommended two nights. We plan to only stay one. Same nursery charge thing that pp mentioned, even if you don't use it.
Then you get all the incidental hospital charges--kleenex boxes, etc., plus things like the hearing test, PKU, etc.
Then we pay for whatever pediatrician is on-call to do the newborn exam.
Not to mention that all charges for the baby are separate, so the baby will have his/her own health care credit and $1000 deductible. Our family out-of-pocket maximum is $4000, and I'm guessing we will end up paying around $3000+. The only bonus is that then all the rest of my medical coverage for the year is completely paid for!
Then if you want you can get into how the insurance compaines are what make health care costs so high, because they make deals with the providers and only "allow" them to charge so much. If you don't have insurance, you get hit with the full amount, but the insurance companies pay much less.