ACL Surgery Cost in Connecticut (2026): Average Prices & What You'll Pay
What does a acl surgery cost in Connecticut?
Where you have an acl surgery done in Connecticut swings the bill from $2,905 to $6,679 for identical care. The median cash price across 20 reporting hospitals is $3,010. The numbers are pulled directly from federally mandated hospital price transparency files. The sections below break this down by coverage and by insurer.
Three low-priced facilities in Connecticut, from hospital price files
- State of Connecticut $2,146
- Saint Marys Hospital · Waterbury, CT $2,153
- THE CHARLOTTE HUNGERFORD HOSPITAL · Torrington, CT $2,668
All 20 facilities are listed below, free.
Where acl surgery costs vary in Connecticut
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 Connecticut
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs median ($3,010) |
|---|---|---|---|---|
| 1 | State of Connecticut | CT | $2,146 | $864 below |
| 2 | Saint Marys Hospital | Waterbury, CT | $2,153 | $857 below |
| 3 | THE CHARLOTTE HUNGERFORD HOSPITAL | Torrington, CT | $2,668 | $342 below |
| 4 | Sharon Hospital | Po Box 789, CT | $2,764 | $246 below |
| 5 | THE WILLIAM W BACKUS HOSPITAL | Norwich, CT | $2,965 | $45 below |
| 6 | MIDSTATE MEDICAL CENTER | Meriden, CT | $2,965 | $45 below |
| 7 | WINDHAM COMMUNITY MEMORIAL HOSPITAL INC | Willimantic, CT | $2,965 | $45 below |
| 8 | SVMC HOLDINGS INC D/B/A ST VINCENTS MEDICAL CENTER | Bridgeport, CT | $2,965 | $45 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?
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Quick take
- State of Connecticut is the lowest-cost option at $2,146 - $864 below the median posted price ($3,010), just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $3,010, and it's often lower than what insurance pays before your deductible is satisfied.
- Freestanding ambulatory surgical centers (ASCs) are often 30-60% cheaper than hospital outpatient departments for the same procedure and may not appear in this hospital-only dataset - ask your doctor if 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) | 16 | $3,542 to $12,646 | $8,441 |
| Without insurance (cash price) | 20 | $2,115 to $8,556 | $3,010 |
| Anthem Blue Cross and Blue Shield | 13 | $2,514 to $11,847 | $8,358 |
| UnitedHealthcare | 8 | $7,761 to $16,148 | $11,570 |
| Cigna | 8 | $2,627 to $11,014 | $6,329 |
| Aetna | 7 | $5,454 to $11,588 | $6,401 |
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 Connecticut?
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 Connecticut?
Across 16 Connecticut hospitals, the negotiated rates commercial insurers pay for ACL Surgery average $3,542 to $12,646 per hospital, with a median near $8,441. 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 Connecticut?
Cash (self-pay) prices for ACL Surgery at 20 Connecticut hospitals range from $2,115 to $8,556, with a median of $3,010. 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 Connecticut?
Anthem Blue Cross and Blue Shield negotiated rates for ACL Surgery at 13 Connecticut hospitals range from $2,514 to $11,847, with a median near $8,358. 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 UnitedHealthcare in Connecticut?
UnitedHealthcare negotiated rates for ACL Surgery at 8 Connecticut hospitals range from $7,761 to $16,148, with a median near $11,570. 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 much does an ACL Surgery cost with Cigna in Connecticut?
Cigna negotiated rates for ACL Surgery at 8 Connecticut hospitals range from $2,627 to $11,014, with a median near $6,329. 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 Aetna in Connecticut?
Aetna negotiated rates for ACL Surgery at 7 Connecticut hospitals range from $5,454 to $11,588, with a median near $6,401. 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 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 $1,835–$20,000
- Professional fee $1,458–$3,888
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $2,153–$20,000
- Professional fee $1,458–$3,888
Estimated from CMS fee schedules + commercial rate multipliers
Yale New Haven Health and Hartford HealthCare together cover most of the state's hospital capacity, and Connecticut has some of the highest commercial insurance reimbursement rates in the US - a reflection of high labor costs, high cost-of-living, and limited market competition. Prices here routinely run 20–40% above the national median for the same services.
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Why prices vary - and what it means for your coverage
A small number of hospitals (1) report prices above $14,885, including Hospital for Special Surgery at $20,000, 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 $3,010 versus $3,952 inpatient (about 1.3× more), 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.
On top of the facility price, your actual bill depends on your deductible, your out-of-pocket maximum, and whether every provider involved - not just the facility - is in-network.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$3,010 |
| Deductible met - 20% coinsurance | ~$602 |
| Out-of-network provider | $6,622+ |
Frequently asked questions: ACL Surgery costs in Connecticut
How much does an ACL Surgery cost in Connecticut?
The typical insurer-negotiated rate is $2,965, with most facilities between $2,069 and $5,495 (based on 20 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Connecticut hospitals run $2,115–$8,556; 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 Connecticut?
Based on declared prices, the lowest posted price in our Connecticut data is State of Connecticut at about $2,146. By metro, Waterbury has the lowest median ($3,762). 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 Connecticut hospitals?
Typical prices vary about 2.7× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Connecticut, the median cash (self-pay) price is $3,010 versus a median negotiated rate of $8,441 - 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 Connecticut?
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
- Allowed amount vs negotiated rate: what your EOB is really saying
- How to read your medical bill
- Deductible vs out-of-pocket max
- 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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