生娃基本不花钱，正加速走向现实

Core Viewpoint - The article discusses the recent initiatives by the National Medical Insurance Administration to reduce the financial burden of childbirth, aiming for a "no out-of-pocket" model for hospital deliveries by 2026, which is part of a broader strategy to stabilize the birth rate in China [1][3]. Summary by Sections Medical Insurance Support for Childbirth - The medical insurance support for childbirth is comprehensive, covering the entire cycle from conception to postnatal care, with measures including full reimbursement for hospital delivery costs in several provinces [3][4]. - As of 2024, over 1 million people have benefited from insurance coverage for assisted reproductive technologies, alleviating significant financial burdens for families facing fertility challenges [3]. Financial Impact on Families - The average total cost of childbirth in China is estimated to be over 10,000 yuan, with hospital delivery costs accounting for 30%-40% of this total. Natural births can see a reduction of 3,000 to 5,000 yuan, while cesarean sections can be reduced by 5,000 to 10,000 yuan [3][4]. Expansion of Coverage - The number of individuals covered by maternity insurance has reached 255 million, with nearly 95% of areas directly distributing maternity benefits to insured individuals. The focus is now on including flexible workers and migrant workers in the maternity insurance system [4][7]. Long-term Strategic Importance - The shift in policy reflects a recognition that childbirth is not just a personal matter but a strategic investment for national development. The government has emphasized the need for a sustainable financial model to support these initiatives, including shared fiscal responsibilities between central and local governments [5][6]. Future Directions - The National Medical Insurance Administration plans to further expand coverage to include flexible workers and migrant workers, and to explore a basic service package that includes prenatal check-ups, thereby reducing the financial burden on insured individuals [7].