I need to correct the above post.  I quoted "normal newborn" cost.  I should have used #775, normal vaginal delivery without complications, which runs $8,365, quite a bit closer to your estimate.  Is that a manageable cost?  Well, my first three kids came 3 years apart, so saving $233/mo for that eventuality would have covered all three over 9 years.  And when you've decided not to have anymore kids, you can stop saving for them.  The ACA doesn't allow you to stop, even if you're post-menopause.  It's made personal responsibility illegal.