 are significant financial burdens for new moms and new parents. About half of births in the country are covered by private insurance, and 2022 analysis of claims data suggests that out-of-pocket costs for moms are about $3,000 in addition to other costs that they incur. A recent survey of people experiencing health care debt found that parents generally are significantly more likely than non-parents to have health care debt because of their own or their children's condition.