We delivered Thing 1 at home. We purchased the services of a birthing center and their midwives. Total cost for the all the pregnancy check-ups, ultrasounds, and at-home delivery and follow-up, with 2 sometimes 3 midwives constantly available during the 20 hour labor, was < 10k total, some of which our insurance covered.
From what I understand, many states have laws against midwifery and home births. For the children, of course.