-How Much Does It Cost?- The Birth According to the Health Insurance Association of America, the average bill for doctors’ fees and hospital charges runs around $6,400 for a normal delivery and roughly $10,600 for a cesarean section. This does not count prenatal doctor’s visits or tests. This is why insurance is very important, so make sure to do your best to get covered somehow. Raising Your Child According to government estimates, the average middle-income family will spend roughly $10,000 on child-related expenses in their baby’s first two years of life ($8,000 for a second child), and some experts suggest that figure may be too low. You can count on spending at a minimum of $25 a week ($1,250 per year) on diapers, formula, and baby food alone. You'll also spend money on items such as furniture, equipment, clothes, childcare if you’re returning to work, medical expenses and more. Experts suggest spending money on top-of-the-line products like cribs, strollers and car seats, but saving money by borrowing or going to garage sales for secondhand items like clothing, equipment and blankets. You can also save money on formula by breastfeeding your child (which is considered the best nutrition through the first year anyway!)