If Samara Hines had health insurance, she’d deliver her baby in a hospital, away from the demands of her five other children and with help from nurses for the new little one.
But Hines’ husband is self-employed and the family can’t afford insurance or the estimated $6,000 hospital fees, plus the cost of a nurse-midwife and prenatal care. So in August, the Provo woman will deliver her baby at home, where it will cost $1,900 for everything.