[mtnGoat]

I would include the costs of what insurance pays, because it is in fact part of the cost of bringing a life into this world in the US. You are scratching to prove your point, and keep moving the mark. If you don't want to include what insurance covers, how about including insurance premiums, at least two years worth since you cant just hop on insurance once you get pregnant. Lost wages are another factor, but those can easily cost thousands for many people, i wouldnt minimize those down so low.

based on your math and assumptions i really wonder if you have had a child in the US recently.