ACL knee reconstruction Cost — Compare Hospital Prices

ACL knee reconstruction is a surgical procedure. Prices are from 1519 US hospitals across 52 states, from their machine-readable files.

$7,861median cash price · 1519 hospitals, 52 statestypically $1,911–$31,990 depending on the hospital

≈ 8.8× Medicare · High vs MedicareFind hospitals near you

Price comparison (median)

Chargemaster (list price)

$12,684

Cash / self-pay

$7,861

Insurer-negotiated

$7,229

Medicare pays

$889

$1,911$31,990

Median cash $7,861 · Medicare $889 · bar = typical cash range (10th–90th percentile)

Is this a fair price?

1× Medicarefair ≈2×5×+

Typical cash price here is $7,861 — about 8.8× the Medicare rate ($889). High vs Medicare. A fair cash price is usually within ~2× Medicare ($1,779).

💡 Asking for the cash price instead of the $12,684 list price could save about $4,824 (38%).

Estimate what you’ll pay

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Rough estimate from this procedure’s median insurer-negotiated rate. Your actual cost depends on your plan — confirm with your insurer.

Lowest cash prices

See negotiated rates for your insurer:

Hospital	Location	Cash	Insurer	CMS rating	ER wait	Readmit
Gifford Medical Center	Randolph, VT	$1,185	$1,895	★ 5/5	—	14.7%
O'connor Hospital	Delhi, NY	$1,188	$1,601	—	88 min	14.7%
Little Falls Hospital	Little Falls, NY	$1,188	$1,324	★ 2/5	110 min	15.7%
Cobleskill Regional Hospital	Cobleskill, NY	$1,188	$1,507	★ 4/5	109 min	14.6%
Artesia General Hospital	Artesia, NM	$1,220	$6,922	—	101 min	15.0%
Vanderbilt Bedford Hospital	Shelbyville, TN	$1,300	$1,676	★ 4/5	123 min	13.6%
Vanderbilt Tullahoma-Harton Hospital	Tullahoma, TN	$1,300	$1,629	★ 3/5	173 min	15.1%
Bassett Healthcare	Cooperstown, NY	$1,320	$980	★ 2/5	199 min	15.6%
Family Health West Hospital	Fruita, CO	$1,362	$8,973	—	—	15.2%
Hospital Pavia Caguas	Caguas, PR	$1,380	$460	—	—	17.1%
Tucson Medical Center	Tucson, AZ	$1,382	$7,590	★ 2/5	207 min	14.6%
Children's Mercy South	Overland Park, KS	$1,393	$1,684	—	—	—
The Children's Mercy Hospital	Kansas City, MO	$1,393	$1,684	—	—	—
Bertrand Chaffee Hospital	Springville, NY	$1,433	$918	—	144 min	15.2%
University of Arkansas Medical Sciences	Little Rock, AR	$1,436	$6,988	★ 2/5	253 min	14.7%
Arkansas State Hospital	Little Rock, AR	$1,436	$6,988	—	—	—
Ellis Hospital	Schenectady, NY	$1,462	$1,005	★ 3/5	232 min	14.9%
Regional West Medical Center	Scottsbluff, NE	$1,466	$1,835	★ 2/5	201 min	14.9%
Prowers Medical Center	Lamar, CO	$1,532	—	—	133 min	—
Healdsburg Hospital	Healdsburg, CA	$1,541	$4,500	—	94 min	15.1%
University of Texas Medical Branch Galveston	Galveston, TX	$1,542	$3,300	★ 3/5	191 min	16.0%
York Hospital	York, ME	$1,547	—	★ 4/5	172 min	14.8%
Baptist Health Medical Center Heber Springs	Heber Springs, AR	$1,556	$10,592	★ 3/5	115 min	15.2%
Alice Peck Day Memorial Hospital	Lebanon, NH	$1,563	$2,241	★ 4/5	120 min	15.3%
St Gabriels Hospital	Little Falls, MN	$1,592	$1,564	★ 4/5	139 min	14.7%

CMS rating = overall hospital star rating (1–5); ER wait = median minutes in the emergency department; Readmit = 30-day readmission rate (lower is better) — all from Medicare’s Care Compare; “—” = not reported. Data last updated June 2026. Prices from hospitals’ machine-readable files (45 CFR §180); Medicare benchmark from CMS PFS/CLFS/IPPS. Prices below 15% of the median are excluded as likely partial or mis-coded charges. Estimates — confirm with the hospital. Report an incorrect price.

What insurers pay for ACL knee reconstruction

Median in-network negotiated rate by insurer, across hospitals that publish it (cheapest first). Your actual rate depends on your specific plan and deductible. Cash / self-pay for comparison: $7,861; Medicare pays $889.

Insurer	Hospitals	Negotiated median
Medicaid	156	$315 $50 – $630
Medicare	276	$427 $68 – $6,814
Highmark	91	$711 $73 – $9,421
Univera	14	$805 $117 – $1,184
Tricare / VA	195	$840 $75 – $9,166
AmeriHealth	113	$951 $190 – $13,315
Geisinger	33	$951 $190 – $7,611
MVP Health Care	52	$995 $312 – $9,594
Blue Cross Blue Shield	831	$1,016 $105 – $14,252
Independent Health	24	$1,223 $480 – $4,094
Health Net	143	$1,252 $84 – $15,838
Anthem	368	$1,381 $105 – $15,595
Sanford Health Plan	27	$1,699 $160 – $12,000
Bright Health	36	$1,714 $1,257 – $5,062
Coventry	59	$1,831 $200 – $11,606
HealthPartners	97	$1,852 $115 – $10,158
Kaiser Permanente	145	$2,153 $74 – $17,998
Molina Healthcare	392	$2,153 $94 – $8,690
Priority Health	41	$2,153 $344 – $7,207
MultiPlan / PHCS network	221	$2,203 $116 – $11,501
Centene / Ambetter	540	$2,302 $72 – $10,737
UCare	34	$2,478 $671 – $12,643
UPMC Health Plan	50	$3,426 $864 – $16,739
Harvard Pilgrim	28	$3,435 $958 – $12,486
Amerigroup	112	$3,465 $619 – $7,216
Medica	65	$3,541 $883 – $10,680
Workers' Comp / No-Fault	45	$3,601 $3,601 – $24,164
Humana	639	$5,087 $412 – $18,129
SelectHealth	32	$5,307 $1,514 – $11,685
Aetna	879	$6,118 $474 – $13,494
Cigna	656	$6,849 $1,022 – $22,812
Security Health Plan	24	$7,011 $435 – $13,221
UnitedHealthcare	964	$7,099 $654 – $16,960
Devoted Health	92	$7,179 $6,616 – $8,459
Oscar Health	135	$8,970 $1,964 – $14,192
Healthcare Highways	34	$8,991 $8,517 – $9,565
EmblemHealth	41	$13,663 $3,740 – $57,245
AvMed	31	$18,980 $653 – $27,374

Negotiated rates are from hospitals’ machine-readable files (45 CFR §180); payer names are normalized to major brands, so a brand may span several plans. Estimates — confirm with your insurer.

Where it’s cheapest

State	Median cash
Puerto Rico	$1,380
Vermont	$1,415
Maine	$1,858
Iowa	$2,535
Arkansas	$2,943
New Hampshire	$2,958

Prices by city

Prices by state

About these prices

Based on prices published by 1519 US hospitals across 52 states, the typical (median) cash price is $7,861, versus a chargemaster (list) price around $12,684, a median insurer-negotiated rate of $7,229, a Medicare rate of about $889. Most cash prices fall between $1,911 and $31,990 — a wide spread, which is exactly why comparing hospitals pays off.

How to save

Ask each hospital for its cash / self-pay price — for shoppable services it is often far below the list price.
Compare several nearby hospitals; prices for the same service can differ severalfold.
Request a written estimate and the billing code (CPT/DRG) before scheduling.
Use the Medicare benchmark above to judge whether a quote is reasonable.
If you are uninsured, ask about financial assistance or prompt-pay discounts.

Frequently asked questions

How much does ACL knee reconstruction cost without insurance?

The median cash (self-pay) price across 1519 US hospitals is $7,861. Most hospitals fall between $1,911 and $31,990. Prices vary widely between hospitals, so it pays to compare before you book.

What does Medicare pay for ACL knee reconstruction?

Medicare pays about $889. We show this as a benchmark — a fair cash price is often within a few multiples of the Medicare rate.

Why do ACL knee reconstruction prices vary between hospitals?

Hospitals set their own chargemaster and cash prices and negotiate different rates with each insurer, so two hospitals in the same area can charge very differently for the same service.

Is the cash price lower than using insurance?

Sometimes. If you are uninsured or have a high deductible, the cash/self-pay price can be lower than the insurer-negotiated rate — ask the hospital for both.

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