Mikkel and Kayla Kjelshus’ daughter, Charlie, had a complication during delivery that caused her oxygen levels to drop and put her at risk for brain damage. Charlie needed seven days of neonatal intensive care, which resulted in a huge bill — $207,455 for the NICU alone — and confusion over which parent’s insurer would cover the little girl’s health costs.

Mikkel and Kayla Kjelshus’ daughter, Charlie, had a complication during delivery that caused her oxygen levels to drop and put her at risk for brain damage. Charlie needed seven days of neonatal intensive care, which resulted in a huge bill and confusion over which parent’s insurer would cover Charlie. (Christopher Smith for KHN)