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Home » When planning fertility, McLean County women worry about finances
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When planning fertility, McLean County women worry about finances

Brenda YoungBy Brenda YoungOctober 2, 2026No Comments5 Mins Read
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When planning fertility, McLean County women worry about finances
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In recent years, McLean County has observed a trend of decreasing fertility rates, significantly trailing behind neighboring counties. This is concerning within a broader context where both state and national fertility rates have fallen well below replacement levels, a benchmark set at 2.1 births per woman by the U.S. Census Bureau—which is necessary to maintain population size amid aging demographics.

The Generalized Fertility Rate (GFR) in McLean County has consistently been below this replacement threshold since at least 2017. The implications of this trend are multifaceted, impacting childcare availability, school enrollment figures, workforce dynamics, and elder care provisions in the coming years.

Healthcare professionals have noted that many potential parents express concerns regarding the financial implications of starting and raising a family.

Personalized Healthcare Approaches

In her role as a physician assistant at Bloomington’s Obstetrics and Gynecology Care Associates, Lexi Farmer emphasizes the importance of personalized care for women’s reproductive health. Raised in the Bloomington-Normal area, Farmer supports women from age 21 in understanding their reproductive health and planning for pregnancies.

Regular visits typically begin at 21, with Farmer checking in with her patients at least once a year. She emphasizes that each woman’s health journey is unique, highlighting that terms like “normal” can vary significantly between individuals.

Physician Assistant Lexi Farmer

Physician Assistant Lexi Farmer provides insights into the declining birth trends in McLean County.

Farmer has observed a notable increase in inquiries about fertility from women who are contemplating their reproductive futures even before they are ready to conceive. This mirrors a global trend of women choosing to delay childbirth.

“Women today are opting to start families later than generations prior,” Farmer explained. “When women over 35 become pregnant, they are regarded as experiencing ‘advanced maternal age,’ which often necessitates additional screenings.” She noted an increase in patients in this demographic, indicating a shift towards later-life pregnancies.

Economic Factors Influencing Family Planning

Conversations about fertility are increasingly dominated by financial concerns. Farmer remarked that many individuals pursuing advanced education in McLean County delay family planning until they finish their studies, leading to a demographic of women prioritizing education over early motherhood.

Additionally, women from less urban areas might be inclined to have families earlier, influenced by their personal circumstances and family backgrounds. Farmer mentioned that lifestyle choices, such as marital stability and family size expectations, often factor into decisions about childbearing.

Challenges such as housing affordability, limited childcare services, and the overall cost of raising children further complicate the decision-making process. She noted, “Financially, the burden of raising children is considerably high, particularly when considering potential daycare costs,” which causes many women to reconsider the number of children they wish to have.

The Struggles of Infertility

For many women, achieving pregnancy can be fraught with difficulties. Dr. Helen Ejiogu, an OB/GYN specializing in infertility at OSF St. Joseph Medical Center, addresses the complexities faced by women attempting to conceive.

Dr. Helen Ejiogu

Dr. Helen Ejiogu specializes in infertility and supports patients confronting the psychological challenges of family planning.

Ejiogu indicated that conditions like endometriosis, affecting approximately 20% of women, often hinder their reproductive ambitions. As financial and emotional pressures mount for those seeking infertility treatment, patients frequently arrive at her practice expressing anxiety about their ability to conceive.

“By the time they seek my help, they are often terrified they’ll never have a baby,” said Ejiogu, emphasizing that this anxiety can, paradoxically, exacerbate fertility issues.

Advocating for Proactive Health Seekers

Both Farmer and Ejiogu advocate for proactivity in women’s health. Ejiogu pointed out that many women endure discomfort without seeking medical advice until they choose to conceive, stating, “It’s crucial that young women prioritize their health regardless of their plans for motherhood.”

The healthcare landscape is evolving, and both physicians express the importance of moving away from digital diagnostic platforms, especially on social media, where they often offer misinformation. Farmer noted that some regional hospitals have closed obstetrics departments, creating significant gaps in maternal care across surrounding counties. Both professionals confirm there is a pressing need for more obstetricians in McLean County.

Educational Implications of Low Fertility Rates

The decline in fertility rates has evident repercussions for local educational institutions in McLean County. Michael Cornale, Chief Financial and Facilities Officer of District 87, reported that the overall enrollment numbers are decreasing, reflecting a broader trend affecting schools statewide.

Citing smaller incoming kindergarten classes as a key indicator, Cornale discussed how these trends could shape the district’s future trajectory. Similar findings emerged in Unit 5, leading to a demographic study that identified low fertility as the primary factor affecting enrollment projections for the next decade.

This study resulted in discussions about potential school closures, including suggestions to close Carlock Elementary School, which sparked considerable community pushback.

Understanding the Generalized Fertility Rate

The U.S. Census Bureau analyzes and publishes fertility data, calculating the GFR by comparing live births per 1,000 women ages 15 to 44. Over the last two decades, national fertility rates have consistently dropped, revealing significant regional differences.

Between 2007 and 2025, the U.S. GFR decreased from 69.5 to a projected 53.1, marking the lowest level since the Census began recording such data. McLean County’s GFR hovers around 60, notably lower than surrounding counties, including Livingston, Woodford, and Piatt, which report higher rates.

chart visualization

Data from the McLean County Health Department alongside U.S. Census statistics facilitated the calculation of GFR from 2017 to 2024, with the notable omission of 2020 due to pandemic-related data collection issues. In 2017, the GFR was at its recent peak at 61, which subsequently dropped to as low as 55 at times in subsequent years. While 2023 and 2024 exhibited a slight recovery to around 60 births per 1,000 women, this still remains insufficient to replace the aging population in the county.

The Census Bureau’s data for 2025 and 2026 is anticipated, which will further clarify shifts in fertility trends.

County Fertility Finances McLean Planning Women Worry
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There’s a simple way to become a better listener. Most of us don’t do it. – The Washington Post

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When planning fertility, McLean County women worry about finances

October 2, 2026

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