ACL Surgery Cost in Colorado (2026): Average Prices & What You'll Pay
What does a acl surgery cost in Colorado?
You could pay $2,292 or $6,375 for the same acl surgery in Colorado - depending entirely on which facility you choose. The median cash price across 65 reporting hospitals is $3,928. This data comes directly from hospital price transparency files published under federal law. The sections below break this down by coverage and by insurer.
Three low-priced facilities in Colorado, from hospital price files
- HCA HEALTHONE SOUTHWEST ER · Littleton, CO $1,700
- HCA HEALTHONE SWEDISH · Englewood, CO $1,700
- HCA HEALTHONE BELMAR ER · Lakewood, CO $1,700
All 65 facilities are listed below, free.
Where acl surgery costs vary in Colorado
Pins show hospitals with price-transparency data (colored by vs. state average) and nearby ambulatory surgery centers and other facilities (colored by type). Click any pin for facility name and estimated cost range.
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What you pay for a acl surgery depends on where you go and what is billed separately. Most patients find out after.
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Cheapest ACL Surgery Providers in Colorado
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs median ($3,928) |
|---|---|---|---|---|
| 1 | HCA HEALTHONE SOUTHWEST ER | Littleton, CO | $1,700 | $2,228 below |
| 2 | HCA HEALTHONE SWEDISH | Englewood, CO | $1,700 | $2,228 below |
| 3 | HCA HEALTHONE BELMAR ER | Lakewood, CO | $1,700 | $2,228 below |
| 4 | UCHealth Grandview Hospital | Colorado Springs, CO | $1,999 | $1,929 below |
| 5 | Grand River Medical Center | Rifle, CO | $2,004 | $1,924 below |
| 6 | EAST PHILLIPS COUNTY HOSPITAL DISTRICT | CO | $2,008 | $1,920 below |
| 7 | MONTROSE MEMORIAL HOSPITAL INC | CO | $2,026 | $1,902 below |
| 8 | UCHealth Estes Valley Medical Center | Estes Park, CO | $2,101 | $1,827 below |
Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.
Before you book: three questions that change the price
- Is this the self-pay price, and does it include the doctor, anesthesia and any lab or pathology? Those are often billed separately.
- Can you give me the price in writing, with the billing codes it covers?
- What happens to the price if something extra is needed during the procedure?
Estimate your out-of-pocket cost → · When the bills arrive, we check them for errors →
Quick take
- HCA HEALTHONE SOUTHWEST ER is the lowest-cost option at $1,700 - $2,228 below the median posted price ($3,928), just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $3,928, and it's often lower than what insurance pays before your deductible is satisfied.
- This dataset covers hospitals only - freestanding ASCs, which routinely run 30-60% cheaper for the same procedure, aren't included, so it's worth asking your doctor whether one is an option.
| Coverage | Hospitals with a rate | Typical range | Median |
|---|---|---|---|
| Medicare (national rate) | — | $7,413 to $7,413 | $7,413 |
| With insurance (commercial, average) | 51 | $4,325 to $17,706 | $6,376 |
| Without insurance (cash price) | 70 | $1,697 to $9,013 | $3,928 |
| Anthem Blue Cross and Blue Shield | 46 | $4,574 to $21,462 | $7,509 |
| Aetna | 29 | $3,401 to $17,954 | $5,232 |
| Cigna | 29 | $1,364 to $25,648 | $2,504 |
| UnitedHealthcare | 19 | $6,450 to $24,802 | $12,664 |
Rates are negotiated allowed amounts and cash prices from hospital price-transparency files (October 2026), shown at each hospital’s lowest-priced typical billing code for this procedure. Facility fees only. The typical range is the middle 80% of hospitals, not a quote for your visit.
How much does an ACL Surgery cost with Medicare in Colorado?
Medicare's national hospital outpatient payment for ACL Surgery is about $7,413 to $7,413 (typically near $7,413). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $1,483 on a $7,413 payment, with no out-of-pocket cap unless you have supplemental coverage or a Medicare Advantage plan.
Doctor, anesthesia and pathology fees are billed separately. Medicare rates are national CMS amounts, adjusted slightly by local wage levels.
How much does an ACL Surgery cost with insurance in Colorado?
Across 51 Colorado hospitals, the negotiated rates commercial insurers pay for ACL Surgery average $4,325 to $17,706 per hospital, with a median near $6,376. That is the amount your plan and you pay the hospital together; you owe your deductible, then coinsurance, up to your out-of-pocket maximum.
Each hospital’s figure is the average of the commercial insurers it lists. Medicare, Medicare Advantage and Medicaid rates are excluded.
How much does an ACL Surgery cost without insurance in Colorado?
Cash (self-pay) prices for ACL Surgery at 70 Colorado hospitals range from $1,697 to $9,013, with a median of $3,928. Ask for the cash or self-pay price and for any financial-assistance discount before you book; both can be lower than the posted price.
Cash prices are the hospital’s published discounted rate for patients paying without insurance.
How much does an ACL Surgery cost with Anthem Blue Cross and Blue Shield in Colorado?
Anthem Blue Cross and Blue Shield negotiated rates for ACL Surgery at 46 Colorado hospitals range from $4,574 to $21,462, with a median near $7,509. Your own cost depends on your plan’s deductible and coinsurance, and on whether the hospital is in your network.
Includes Blue Cross and Blue Shield and Anthem plans listed by each hospital.
How much does an ACL Surgery cost with Aetna in Colorado?
Aetna negotiated rates for ACL Surgery at 29 Colorado hospitals range from $3,401 to $17,954, with a median near $5,232. If a hospital is out of network for your Aetna plan, you may owe more than the negotiated rate, so check the network first.
How much does an ACL Surgery cost with Cigna in Colorado?
Cigna negotiated rates for ACL Surgery at 29 Colorado hospitals range from $1,364 to $25,648, with a median near $2,504. If a hospital is out of network for your Cigna plan, you may owe more than the negotiated rate, so check the network first.
How much does an ACL Surgery cost with UnitedHealthcare in Colorado?
UnitedHealthcare negotiated rates for ACL Surgery at 19 Colorado hospitals range from $6,450 to $24,802, with a median near $12,664. If a hospital is out of network for your UnitedHealthcare plan, you may owe more than the negotiated rate, so check the network first.
How where you go changes what you pay for acl surgery
The same acl surgery bundles different services depending on the setting - facility fee, surgeon fee, and anesthesia each arrive as separate bills. Estimated ranges below reflect the typical full bundled cost, including all expected charges.
- Facility fee $1,532–$23,733
- Professional fee $1,458–$3,888
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $1,532–$3,158
- Professional fee $1,458–$3,888
Estimated from CMS fee schedules + commercial rate multipliers
UCHealth and CommonSpirit Health (formerly SCL Health) dominate the Front Range market, with Centura Health (now Intermountain) adding competition in the Denver corridor. Denver and Boulder wage indices are among the highest in the Mountain West, pushing Medicare-adjusted rates up relative to rural Colorado. The urban-rural price gap in Colorado is one of the widest in the country.
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Why prices vary - and what it means for your coverage
A small number of hospitals (3) report prices above $14,335, including Kremmling Memorial Hospital District at $23,733, which drives most of the overall spread - excluding them, most facilities cluster in a much tighter band. Setting matters too: the median outpatient price is $3,928 versus $2,345 inpatient, so where a procedure happens often matters more than which hospital you pick. Setting drives most of the spread here: an ambulatory surgical center (ASC) is usually meaningfully cheaper than a hospital operating room for the same procedure, when your case qualifies.
None of the prices above are what you'll necessarily owe: your deductible, out-of-pocket maximum, and each provider's network status all still apply.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$3,928 |
| Deductible met - 20% coinsurance | ~$786 |
| Out-of-network provider | $8,642+ |
Frequently asked questions: ACL Surgery costs in Colorado
How much does an ACL Surgery cost in Colorado?
The typical insurer-negotiated rate is $2,189, with most facilities between $965 and $3,779 (based on 65 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Colorado hospitals run $1,697–$9,013; outlier facilities above and below that range are left out. What you pay depends on the facility, your insurance, and whether you have met your deductible.
Where is the cheapest place to get an ACL Surgery in Colorado?
Based on declared prices, the lowest posted price in our Colorado data is HCA HEALTHONE SOUTHWEST ER in Littleton at about $1,700. By metro, Englewood has the lowest median ($1,700). Freestanding ambulatory surgery centers are often cheaper still and may not appear in hospital price data - ask your doctor whether one is an option.
Why is an ACL Surgery so much cheaper at some Colorado hospitals?
Typical prices vary about 3.9× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Colorado, the median cash (self-pay) price is $3,928 versus a median negotiated rate of $6,376 - cash is the lower number at many hospitals. Asking for the cash price as well as your insurer's negotiated rate is often the single biggest lever on what you pay.
How much will I actually pay out of pocket for an ACL Surgery in Colorado?
Your out-of-pocket cost depends on your deductible, coinsurance, out-of-pocket maximum, and whether the facility is in-network - not just the sticker price. If you have not met your deductible, you will typically pay the negotiated rate in full until you do. Use the CostKits cost forecaster to estimate your specific out-of-pocket amount before you go.
Before you book
- Deductible vs out-of-pocket max
- How to negotiate your medical bills
- EOB vs medical bill: complete guide
- Already have a bill? Check it for errors
- How to read an EOB line by line
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CostKits compiles hospital price transparency data to help families make informed decisions. Track and manage your healthcare costs (free account).
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About the Author
John Caruso, FSA, MAAA
Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.
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