There's a very interesting Vox piece where the author was trying to obtain an estimate of how much his son's birth would cost [1] (the video is much more informative than the article).

Suffice it to say he was impressively unsuccessful, but it gives very interesting insight into how and why the problem is so complex, just from a consumer's perspective.

[1] https://www.vox.com/2016/5/5/11591592/birth-cost-hospital-bi...