Best & Worst States to Have a Baby

Adam McCann, Financial WriterAug 10, 2020

Adam McCann, Financial Writer
Aug 10, 2020

Having a baby is both a joyful and stressful occasion – but the stress side is more amplified in 2021 during the COVID-19 pandemic. Pregnant women might have an increased risk of severe illness or birth complications due to coronavirus, according to the CDC. In addition, due to social distancing, some mothers may receive less after-birth support from friends and family.

Aside from the difficulty of giving birth during a public health crisis, new mothers will also have to worry about the cost. One of the biggest expenses to keep in mind is medical bills. The average conventional delivery in the U.S. costs over $10,000. Whether or not you have insurance naturally plays a big role as well.

Birthing costs, however, won’t hit your wallet as badly in some states as they will in others. Expenses can vary significantly, considering the wide disparities in cost of living. They can also differ from one pregnancy to another, given that some women experience delivery complications. But there’s more to think about than just cost. Some states provide better quality health care service and better environments in which to care for children.

To determine the most ideal places in the U.S. to have a baby, WalletHub compared the 50 states and the District of Columbia across 32 key measures of cost and health care accessibility, as well as baby- and family-friendliness. Our data set ranges from hospital conventional-delivery charges to annual average infant-care costs to pediatricians per capita. Read on for our findings, expert insight from a panel of researchers and a full description of our methodology.

Table of Contents

Main Findings Ask the Experts Methodology

Main Findings

Embed on your website

Best States to Have a Baby

Overall Rank (1 = Best)	State	Total Score	‘Cost’ Rank	‘Health Care’ Rank	‘Baby-Friendliness’ Rank	‘Family-Friendliness’ Rank
1	Massachusetts	68.81	28	2	4	2
2	Minnesota	66.70	21	6	6	1
3	Vermont	64.50	36	1	22	4
4	North Dakota	64.19	1	14	23	3
5	Rhode Island	63.35	29	5	2	14
6	New Hampshire	63.15	4	4	48	5
7	District of Columbia	61.20	14	29	1	N/A
8	Maine	60.15	22	3	14	18
9	Washington	59.46	43	13	3	10
10	Connecticut	59.32	40	7	15	9
11	Oregon	56.11	11	8	7	27
12	New Jersey	55.32	49	32	5	7
13	Hawaii	55.26	23	10	9	23
14	Colorado	54.93	42	11	10	15
15	Iowa	54.88	16	16	31	12
16	New York	54.62	48	15	24	6
17	Utah	52.32	10	36	13	19
18	Nebraska	52.26	26	28	46	8
19	South Dakota	51.69	37	19	37	11
20	Illinois	49.86	33	17	38	16
21	Michigan	49.35	8	18	20	34
22	Montana	49.32	20	23	26	22
23	Wisconsin	49.14	47	30	25	13
24	Wyoming	48.99	50	24	11	21
25	Maryland	48.59	6	26	28	30
26	Pennsylvania	48.37	5	21	47	24
27	Virginia	48.34	30	20	39	20
28	Ohio	48.13	3	27	33	28
29	California	47.66	51	35	8	17
30	Idaho	47.39	13	34	12	29
31	Delaware	46.79	24	9	40	31
32	Kentucky	46.44	9	31	17	36
33	Kansas	45.82	34	25	29	25
34	Alaska	45.60	35	12	19	35
35	Indiana	41.07	18	40	36	32
36	Missouri	40.82	31	38	44	26
37	New Mexico	38.76	15	33	16	50
38	West Virginia	37.77	17	22	49	47
39	Tennessee	37.65	41	37	21	37
40	Arizona	36.88	25	45	18	41
41	Texas	36.51	39	43	34	33
42	Nevada	35.74	32	41	30	40
43	Oklahoma	35.11	19	44	35	44
44	North Carolina	34.31	45	39	43	38
45	Florida	34.09	46	42	32	39
46	Arkansas	33.01	7	51	27	45
47	Georgia	30.17	27	47	42	42
48	Louisiana	29.02	2	50	45	48
49	Mississippi	27.82	12	49	41	49
50	South Carolina	27.21	44	46	50	43
51	Alabama	25.25	38	48	51	46

artwork 2020 best and worst states to have a baby

Ask the Experts

Parenthood readiness requires financial preparedness. To help expectant parents with the planning process and provide policy insight to local governments, we asked a panel of experts to weigh in with their thoughts on the following key questions:

When planning to have a child, what financial considerations should parents take into account?
What is the biggest financial mistake that prospective parents make?
What can local authorities do to make their cities more baby-friendly?
What makes low-income children in some cities do better than those in other cities?
Will children born today do better economically as adults than their parents? How much does location matter?
What measures can local authorities take to ensure the quality and safety of care for prospective mothers during the current crisis?

Ask the Experts

: Sudha Shreeniwas
Ph.D. – Associate Professor, Deptartment of Human Development and Family Studies, HDFS Department Liaison to the UNCG Honors College, Research Fellow, Center for New North Carolinians, University of North Carolina at Greensboro
Read More

: Acey Mercer
LMSW – Family Therapist at Choices Counseling & Consulting and Senior Consultant of the Training Institute for Gender, Relationships, Identity & Sexuality (TIGRIS)
Read More

: Megan McClelland
Ph.D. – Hallie E. Ford Center for Healthy Children & Families Endowed Director, Katherine E. Smith Healthy Children and Families Professor, Oregon State University
Read More

: Wen-Jui Han
Ph.D. – Professor, Co-Editor-In-Chief, International Journal of Social Welfare, Silver School of Social Work, New York University
Read More

: Cassandra D. Chaney
Ph.D. – Professor, Child and Family Studies, Louisiana State University
Read More

: Steven Meyers
Ph.D. – Professor and Interim Chair of Psychology, Roosevelt University, Chicago
Read More

More Experts

Methodology

In order to determine the best and worst states to have a baby, WalletHub compared the 50 states and the District of Columbia across four key dimensions: 1) Cost, 2) Health Care, 3) Baby-Friendliness and 4) Family-Friendliness.

We evaluated those dimensions using 32 relevant metrics, which are listed below with their corresponding weights. Each metric was graded on a 100-point scale, with a score of 100 representing the most favorable conditions for expectant parents and newborns.

Finally, we determined each state and the District’s weighted average across all metrics to calculate its overall score and used the resulting scores to rank-order our sample.

Cost – Total Points: 20

Hospital Cesarean-Delivery Charges: Full Weight (~2.86 Points)
Hospital Conventional-Delivery Charges: Full Weight (~2.86 Points)
Average Annual Cost of Early Child Care: Full Weight (~2.86 Points)
Average Health-Insurance Premiums: Full Weight (~2.86 Points)
Current Status of Medicaid Expansion Decision: Full Weight (~2.86 Points)
Note: We included this metric because Medicaid Expansion helps cover a greater amount of birthing costs.
Cost of Babysitter/Nanny: Full Weight (~2.86 Points)
Cost of Newborn Screening: Full Weight (~2.86 Points)

Health Care – Total Points: 40

WalletHub “States with the Best Health Infrastructure for Coronavirus” Score: Triple Weight (~5.65 Points)
Note: This metric is based on WalletHub’s “States with the Best Health Infrastructure for Coronavirus” ranking.
Positive COVID-19 Testing Rate of Last 4 Weeks: Triple Weight (~5.65 Points)
Note: This metric represents the average weekly positive COVID-19 testing rate of last 4 weeks per 100,000 population.
Infant Mortality Rate (per 1,000 Live Births): Full Weight (~1.88 Points)
Maternal Mortality Ratio (per 100,000 Live Births): Full Weight (~1.88 Points)
Rate of Low Birth-Weight: Full Weight (~1.88 Points)
Rate of Preterm Births: Full Weight (~1.88 Points)
Low or Very Low Food Security for Babies: Full Weight (~1.88 Points)
Share of Children with All Seven Recommended Vaccines: Full Weight (~1.88 Points)
Note: “Recommended vaccines” include the following: DTaP vaccine; polio vaccine; measles, mumps and rubella (MMR) vaccine; Haemophilus influenzae type b (Hib) vaccine; varicella (chicken pox) vaccine; hepatitis B (HepB) vaccine; and pneumococcal conjugate vaccine (PCV). “Children” include the population aged 19 to 35 months.
Quality of Women’s Hospitals: Full Weight (~1.88 Points)
Note: This metric is based on U.S. News & World Report’s “Best Hospitals for Gynecology” score.
Quality of Pediatric Neonatology Facilities: Full Weight (~1.88 Points)
Note: This metric is based on U.S. News & World Report’s “Best Hospitals for Pediatric Neonatology” score.
Midwives & Obstetrician-Gynecologists per Capita: Full Weight (~1.88 Points)
Pediatricians & Family Doctors per Capita: Full Weight (~1.88 Points)
Fertility Clinics per Capita: Quarter Weight (~0.47 Points)
mPINC Survey Score: Full Weight (~1.88 Points)
Note: The mPINC (Maternity Practices in Infant Nutrition and Care) survey is a national survey conducted by the Centers for Disease Control and Prevention “to monitor and examine changes in practices over time at all hospitals and birth centers with registered maternity beds in the United States and Territories.”
Prenatal Care Access: Full Weight (~1.88 Points)
Share of Children Aged 9-35 Months who Received Developmental Screening using a Parent-Completed Screening Tool: Full Weight (~1.88 Points)
Note: A parent-completed screening tool is a survey given to parents that may help identify developmental delays in their children.
State Medicaid Policy for Maternal Depression Screening in Well-Child Visits: Full Weight (~1.88 Points)
Note: This binary metric measures if a state has or does not have a policy regarding maternal depression screening in well-child visits.
State Policy for Medicaid-Covered Dyadic Treatment: Full Weight (~1.88 Points)
Note: This binary metric measures if a state has or does not have a Medicaid-covered dyadic (parent-child) treatment.

Baby-Friendliness – Total Points: 20

Parental-Leave Policy Score: Double Weight (~5.71 Points)
Mom Groups per Capita: Full Weight (~2.86 Points)
Child-Care Centers per Capita: Full Weight (~2.86 Points)
Share of Nationally Accredited Child-Care Centers: Full Weight (~2.86 Points)
Birth Rate: Full Weight (~2.86 Points)
State Policy for Medicaid-Covered Parenting Programs: Full Weight (~2.86 Points)
Note: This binary metric measures if a state has or does not have a Medicaid-covered parenting programs.

Family-Friendliness – Total Points: 20

Family-Friendliness: Full Weight (~20.00 Points)
Note: This metric is based on WalletHub’s “Best & Worst States to Raise a Family” ranking.

Sources: Data used to create this ranking were collected from the U.S. Census Bureau, Bureau of Labor Statistics, Healthcare Cost and Utilization Project, U.S. News & World Report, Centers for Disease Control and Prevention, Association of Public Health Laboratories, Data Resource Center for Child & Adolescent Health, The National Academy for State Health Policy - Healthy Child Development State Resource Center, National Center for Children in Poverty, Child Care Aware of America, Kaiser Family Foundation, The COVID Tracking Project, Indeed, United Health Foundation, National Partnership for Women & Families, ZeroToThree.org, BabyCenter.com and WalletHub research.

Supporting Video Files:

Questions & Answers

Was this article helpful?

Disclaimer: Editorial and user-generated content is not provided or commissioned by financial institutions. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are WalletHub advertising partners. Our content is intended for informational purposes only, and we encourage everyone to respect our content guidelines. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.