What if I…

Real US medical prices, from published data. See what it typically costs — and what you'd actually pay after insurance.

20Scenarios

6Plan types

100%Sourced

Prices are insurer-negotiated allowed amounts — what the care actually gets paid, not the inflated "list price." Every number links to its source.

Pregnancy

My baby is born premature

$71,158

typically $4,488 – $161,929

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Heart

💔

I have a heart attack

$47,666

typically $27,434 – $65,138

Bones & Joints

🦿

I need a knee replacement

$34,919

typically $25,634 – $43,719

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🦴

I need a hip replacement

$34,396

typically $25,348 – $43,060

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🔙

I need spinal fusion surgery

$67,015

typically $50,727 – $87,919

typically $18,696 – $35,348

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Digestive

🤕

I get appendicitis

$11,593

typically $8,251 – $16,191

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💎

I need my gallbladder out

$21,210

typically $16,313 – $27,457

typically $6,074 – $13,511

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🩹

I need a hernia repaired

$7,358

typically $4,760 – $10,820

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Screening

🔍

I need a colonoscopy

$2,514

typically $1,486 – $3,894

typically $743 – $1,842

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General

🫁

I get pneumonia

$13,767

typically $9,763 – $20,292

typically $970 – $3,043

I get weight-loss surgery

$27,954

typically $21,713 – $35,482

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Eyes

👁️

I need cataract surgery

$3,888

typically $2,509 – $6,353

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What we don't know

Most cost sites will give you a number for anything. We won't. For these, no credible negotiated price is published anywhere in the US — so rather than dress up a guess, we're telling you it doesn't exist.

Having a stroke — No commercial negotiated price is published anywhere in the US. Medicare paid an average of $13,906 in 2024 (facility only), but that is a Medicare rate for an older population — not what your insurer pays, and we will not dress it up as one.
Breaking a bone — Astonishingly, no source publishes an all-in negotiated price for a fracture ER episode. The only figures available are billed charges, which are fiction.
Gastric sleeve — No published price. We have gastric bypass at $27,954 and we refuse to reuse that number and call it a sleeve — they are different operations with different facility fees. Every "gastric sleeve cost" page we checked was quoting a cash price or was a lead-generation site with no source.
Ventral & umbilical hernias — We have a real price for inguinal (groin) hernias only. The other types are not separately published.