$40,000 per child: My healthcare nightmare as an entrepreneur


Why Am I Paying $40,000 for the Birth of My Child?

Published on November 30, 2025

My third child arrives in a week.

The cost? $40,000. Out of pocket. Cash.

Not because something went wrong medically. That's just the price of admission for a self-employed entrepreneur who wants to grow a family while running a small business in America.

$25,680 in annual premiums + $14,300 deductible = the privilege of bringing a new taxpayer into this world.

I wrote about this because Michael Green's viral essay about the "$140,000 poverty line" struck a nerve. His core insight: the participation costs of American life have spiraled completely out of control.

And there's no greater participation cost to civilization than reproduction itself.

In the post, I break down:

  • My actual healthcare costs (with screenshots)
  • Why marketplace plans don't work for families like mine
  • The broken trade-offs entrepreneurs face
  • Why "just get a corporate job" is how you build political extremism

The economists debunking Green have no answer for me. None. Because their charts don't reflect reality at the till.

A society that makes it this hard to have children is a society that has decided it doesn't want a future. I'm fighting for mine anyway.

[Read the full post →]

Aaronontheweb

I write about .NET, open source software, the Microsoft ecosystem, my adventures with startups, and outer space.

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