frontpage.
newsnewestaskshowjobs

Made with ♥ by @iamnishanth

Open Source @Github

fp.

Open in hackernews

Why Am I Paying $40k for the Birth of My Child?

https://aaronstannard.com/40k-baby/
80•Aaronontheweb•48m ago

Comments

tboyd47•18m ago
The corruption is so entrenched and so out of control, the only way out of this mess is for regular people to just stop using the health care system. Yes, there's no alternative, and yes, it means living a riskier life. It sucks, and it's not what we want to hear, but they can only charge us if we show up and purchase the product, and that's the last lever of power we can wield.
Aaronontheweb•15m ago
I've discussed just opting out of health insurance altogether and doing CrowdHealth with my wife, thinking along these same lines.
CTDOCodebases•16m ago
Because children don’t contribute to GDP.
idontwantthis•8m ago
Of course they do. Everything a parent buys for a child increases GDP.
SunshineTheCat•5m ago
Breaking news! There are no products or services in existence for anyone under the age of 18! lol
geldedus•4m ago
Not yet. This is why countries that are not shitholes take care of their children.
JumpCrisscross•2m ago
> Because children don’t contribute to GDP

The simplest model of GDP is productivity per capital times population. And the simplest model in finance is moving cash flows around in time.

mikeocool•1m ago
Having a child definitely more than doubled my contributions to the GDP.
snikeris•15m ago
Nearly 2 in 5 Americans are covered by Medicare or Medicaid. TANSTAAFL. The other 3 bear the burden. At some point Atlas shrugs and decides welfare is a better deal.
denkmoon•11m ago
In Australia 5 out of 5 people are covered by Medicare, and 5 of them bear the burden. (at some point in their life. assuming they become a tax payer, which seems likely for most.)
antonymoose•9m ago
What percentage of Australian society is net-positive tax payer? That’s your real number, not this pretend 5 out of 5 as you claim.
JKCalhoun•8m ago
I guess your health industry is not raping you with outrageous costs?
sien•1m ago
On top of that, 53% pay for Private Health Care as well.

https://www.health.gov.au/topics/private-health-insurance/re...

On top of that many things that are 'not urgent' you have to pay for yourself.

I have recently paid over 20K for back surgery. Prior to the back surgery I could barely walk. This was deemed 'not urgent' and had I would have had to have waited at least 18 months for surgery via Medicare.

I also have private health cover.

So, it's important for non-Australians to understand, our health system is far from a panacea where taxes pay for everything.

Currently 778 K Australians are waiting for 'elective surgery' .

https://www.aihw.gov.au/hospitals/topics/elective-surgery

AstroBen•1m ago
[delayed]
o11c•8m ago
The amount of money the US Government pays just for that 40% should be enough to cover all 100%. We know this is possible because it happens in other countries, which have shorter waits and more coverage since that talking point keeps being brought up despite collapsing in the face of reality.
peter422•1m ago
The quality of health care in the US is significantly higher than anywhere else in the world.

Whether that quality is necessarily (or good) is debatable, but we are getting something for the money.

observationist•13m ago
Because they can.

For profit hospitals subsidized and enforced by the leviathan, what could go wrong?

How much does something cost? Whatever the seller can get people to pay for it. Hospital B charges 6 figures for the delivery of a child? Wow, that's expensive, they must be really good to be able to charge that much.

All the dark patterns, negative dynamics, perverse incentives of bad government, stupid healthcare policy, and humans being shitty combine to form for profit hospitals. Those determine how other institutions have to run in order to operate at all, and they're not being managed by well meaning, good faith citizens looking out for the patients and the public.

There's a reason mangione became a cult phenomenon, and $40k babies, multimillion dollar ambulance trips, and other bullshit are exactly why.

Good luck fixing that mess. I don't even know how to conceptualize where you'd even begin to try to fix American healthcare. It's so tangled up and beholden to all the other problematic elements in modern life that it looks nigh on impossible to repair, so my goal in life is to minimize contact with any element of the system as much as humanly possible.

Aaronontheweb•10m ago
Completely removing the U.S. Government from the health care market (Medicare, Medicaid, Obamacare, uncompensated care, etc) would be a great start.
snsr•7m ago
Single-payer is the only answer other than free
teachrdan•5m ago
Could you explain how this would help? I'm struggling to understand where you're coming from here, besides perhaps a reflexive libertarian reaction to government.
beefnugs•11m ago
You are absolutely right meatbag producer! Your brand new bundle of joy is expensive, but who can put a price on love? The system is designed to keep you in debt and near poverty as long as possible. But do not fret! If the meatbag is properly trained up to a point, and no further. It will be a hard working productive member of DisneyAICORP. And after working very hard and following instructions it may someday be able to afford its own meatbag production schedule, affording one more production unit each full year of employment!
JKCalhoun•11m ago
"The essential theme of Green’s piece is that “participation costs” - the price of admission you pay to simply be in the market, let alone win, have grown out of control. Food and shelter are participation costs for living. Having a $200/mo smartphone is now a participation cost for many things such as getting access to your banking information remotely, medical records, and work/school."

No shit. He mentions food, shelter and a smartphone — might as well add higher education and a functioning car if you're in the U.S.

I struggled being tossed out on my own at 18 with no support from parents. Working at a pizza restaurant, riding a bicycle to a community college for an education, renting a room from a woman (she may well have been renting as well—renting a room to me to take the edge off).

Winter came and riding the 10-speed to college (in Kansas) became a challenge…

Thank god no smartphone or internet plan was required then.

(When I eventually split an apartment with two other roommates we lost power for stretches from time to time because we were unable to come up with the money to pay the electric bill — oh well.)

They were hard times (that I somehow enjoyed—perhaps because I was young and was finally beginning to have a fulfilling social life). These days it has to be even harder.

johanneskanybal•9m ago
I mean if revolution isn't in the cards this term I don't know what would get you there.
JKCalhoun•6m ago
Maybe a tax on tea or something.

;-)

Seriously, though, I suspect it has to get a lot worse. 23% unemployment might be something.

itsinsurance•9m ago
Clickbait. I too think insurance costs are too high, but the author included their annual insurance premiums in the calculation.
tifik•6m ago
Yes, and? Without it, the total paid would be at least the same or more.
tacker2000•5m ago
yea, 40k is not the "real cost" of the birth, if he includes his + the wife's health insurance premiums in the calculation.

$25,680 premium + $14,300 deductible = $39,980 annual cost

projektfu•3m ago
Fair, he's lucky enough to have not been in a major car accident that year, so he can attribute it all to the cost of giving birth.

What would have been the out-of-pocket cost of a normal birth without health insurance? It's still your choice to go without.

geldedus•5m ago
Because you live in the wrong country.
bmandale•4m ago
So to summarize: a. you're paying that for health insurance, not for the birth of the child. If you, your wife, your children had any other diseases then those would be covered as well. This is a significant benefit. b. all the systems that subsidize health care for those less well off don't apply because you're wealthy. So you are bearing the full cost of extremely high quality health insurance in a western country.
dexwiz•4m ago
My hope is that GenX doesn't fall for the socialist panic tactic like Boomers do. Until then we are going to be stuck with this situation for at least another decade.
losvedir•3m ago
Hmm, counting the insurance premiums 100% towards the birth of the child is a bit misleading. Presumably, you'd be paying those even if you didn't have the child. That said, the cost of health insurance for a family is pretty outrageous. My premiums are along the same lines as the ones here (although less noticeable since they're paid by my employer).
mystraline•2m ago
> If your answer to “I can’t afford to have children and run a business” is “then don’t,” you are building the political conditions for extremism. This is how every revolution starts: a critical mass of people who conclude the system offers them nothing worth preserving. They don’t just want change - they want revenge.

Its "not afford to have children", but instead "not afford to live".

And we're already seeing these strong signifiers of extremism everywhere. Shooting CEO's is halfway acceptable, if they are sufficiently horrible (and yes UHC was horrible).

Violence is more and more routinely considered the only answer that works.

Corruption isn't something hidden, but instead openly done. And this is at all levels, from petty theft, up to 'let's rearrange government to screw the other party'.

Look at how much tax dollars you pay in, and what you get for that. Its more and more a socialist country amount of tax, with low/no benefits to the citizenry. And no, shoveling billions to Israel or Ukraine, or project of the week does NOTHING to help me, my friends, and people around me.

It is pretty bleak. Has been for quite some time. I can understand why some might want to vote for Trump- he did and is still making good on his promises. Terrible promises, sure. But he's doing them.

Far as I can tell, none of the candidates are for the public, and willing to do and help the public. Just feels like a corrupt-o-cracy where if you're not in the In group, you're screwed.

And yeah, extremism, revolution, and revenge is spot on.

DeepSeek-v3.2: Pushing the frontier of open large language models [pdf]

https://huggingface.co/deepseek-ai/DeepSeek-V3.2/resolve/main/assets/paper.pdf
410•pretext•6h ago•172 comments

India orders smartphone makers to preload state-owned cyber safety app

https://www.reuters.com/sustainability/boards-policy-regulation/india-orders-mobile-phones-preloa...
326•jmsflknr•16h ago•190 comments

How to Attend Meetings – Internal guidelines from the New York Times

https://docs.google.com/presentation/d/1l7s1aAsNPlNhSye8OsMqmH6pMR32OYGGdLT6VKyFaQE/edit#slide=id.p
114•spagoop•1h ago•52 comments

Amazon faces FAA probe after delivery drone snaps internet cable in Texas

https://www.cnbc.com/2025/11/25/amazon-faa-probe-delivery-drone-incident-texas.html
44•jonathanzufi•5d ago•30 comments

Ghostty compiled to WASM with xterm.js API compatibility

https://github.com/coder/ghostty-web
169•kylecarbs•4h ago•43 comments

Ask HN: Who is hiring? (December 2025)

187•whoishiring•6h ago•242 comments

Mozilla's Latest Quagmire

https://rubenerd.com/mozillas-latest-quagmire/
8•nivethan•48m ago•2 comments

Why xor eax, eax?

https://xania.org/202512/01-xor-eax-eax
433•hasheddan•10h ago•166 comments

Cartographers Have Been Hiding Covert Illustrations Inside of Switzerland's Maps

https://eyeondesign.aiga.org/for-decades-cartographers-have-been-hiding-covert-illustrations-insi...
221•mhb•8h ago•43 comments

Instagram chief orders staff back to the office five days a week in 2026

https://www.businessinsider.com/instagram-chief-adam-mosseri-announces-five-day-office-return-202...
92•mfiguiere•1h ago•63 comments

Why Am I Paying $40k for the Birth of My Child?

https://aaronstannard.com/40k-baby/
80•Aaronontheweb•48m ago•32 comments

Sycophancy is the first LLM "dark pattern"

https://www.seangoedecke.com/ai-sycophancy/
74•jxmorris12•2h ago•47 comments

Durin is a library for reading and writing the Dwarf debugging format

https://github.com/tmcgilchrist/durin
32•mooreds•3h ago•3 comments

Ask HN: Who wants to be hired? (December 2025)

81•whoishiring•6h ago•165 comments

React and Remix Choose Different Futures

https://laconicwit.com/react-and-remix-choose-different-futures/
45•surprisetalk•3h ago•27 comments

ImAnim: Modern animation capabilities to ImGui applications

https://github.com/soufianekhiat/ImAnim
65•klaussilveira•6h ago•23 comments

Better Auth (YC X25) Is Hiring

https://www.ycombinator.com/companies/better-auth/jobs/eKk5nLt-developer-relation-engineer
1•bekacru•5h ago

Lawmakers Want to Ban VPNs–and They Have No Idea What They're Doing

https://www.techdirt.com/2025/12/01/lawmakers-want-to-ban-vpns-and-they-have-no-idea-what-theyre-...
41•speckx•1h ago•7 comments

A vector graphics workstation from the 70s

https://justanotherelectronicsblog.com/?p=1429
129•ibobev•9h ago•30 comments

Self-hosting a Matrix server for 5 years

https://yaky.dev/2025-11-30-self-hosting-matrix/
228•the-anarchist•11h ago•103 comments

Help, My Java Object Vanished (and the GC Is Not at Fault)

https://arraying.de/posts/markword/
10•todsacerdoti•3d ago•1 comments

Pose-free 3D Gaussian splatting via shape-ray estimation

https://arxiv.org/abs/2505.22978
8•PaulHoule•1h ago•1 comments

Show HN: RFC Hub

https://rfchub.app/
12•tlhunter•5h ago•6 comments

Games using anti-cheats and their compatibility with GNU/Linux or Wine/Proton

https://areweanticheatyet.com/
252•doener•15h ago•368 comments

Historic Engineering Wonders: Photos That Reveal How They Pulled It Off

https://rarehistoricalphotos.com/engineering-methods-from-the-past/
112•dxs•6d ago•23 comments

It’s been a very hard year

https://bell.bz/its-been-a-very-hard-year/
360•surprisetalk•16h ago•440 comments

Langjam Gamejam: Build a programming language then make a game with it

https://langjamgamejam.com/
117•birdculture•1d ago•54 comments

Google unkills JPEG XL?

https://tonisagrista.com/blog/2025/google-unkills-jpegxl/
205•speckx•7h ago•181 comments

Ancestry and the NRS: when the corporate genealogy world turns ugly

http://scottishgenes.blogspot.com/2025/09/ancestry-and-nrs-when-corporate.html
8•ilamont•4d ago•1 comments

Search tool that only returns content created before ChatGPT's public release

https://tegabrain.com/Slop-Evader
817•dmitrygr•18h ago•320 comments