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Reviewed by John Caruso, FSA, MAAA • Data last updated

ACL Surgery Cost in Illinois (2026): Average Prices & What You'll Pay

What does a acl surgery cost in Illinois?

The same acl surgery in Illinois might cost you $3,128 at one facility and $7,775 at another - the building you walk into drives the difference. The median cash price across 91 reporting hospitals is $6,328. These figures come straight 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 Illinois, from hospital price files

  • University of Illinois Hospital & Clinics · Chicago, IL $1,784
  • Blessing Hospital · Quincy, IL $1,850
  • Carle Eureka Hospital · Eureka, IL $1,884

All 91 facilities are listed below, free.

Where acl surgery costs vary in Illinois

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.

Hospital (below avg) Hospital (above avg) Click a pin for details.

26+ people checked prices near them this month.

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 Illinois

Based on declared cash/self-pay prices from CMS hospital price transparency files.

# Facility City Price vs median ($6,328)
1 University of Illinois Hospital & Clinics Chicago, IL $1,784 $4,544 below
2 Blessing Hospital Quincy, IL $1,850 $4,478 below
3 Carle Eureka Hospital Eureka, IL $1,884 $4,444 below
4 County of Clay IL $2,005 $4,323 below
5 Graham Hospital Canton, IL $2,039 $4,289 below
6 Resilience Healthcare West Suburban Medical Center LLC Oak Park, IL $2,067 $4,261 below
7 Northwest Community Hospital Arlington Heights, IL $2,118 $4,210 below
8 Ferrell Hospital Community Foundation Eldorado, IL $2,147 $4,181 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

  1. Is this the self-pay price, and does it include the doctor, anesthesia and any lab or pathology? Those are often billed separately.
  2. Can you give me the price in writing, with the billing codes it covers?
  3. 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

  • University of Illinois Hospital & Clinics is the lowest-cost option at $1,784 - $4,544 below the median posted price ($6,328), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $5,887, 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.
ACL Surgery prices by coverage in Illinois, October 2026
CoverageHospitals with a rateTypical rangeMedian
Medicare (national rate)—$7,413 to $7,413$7,413
With insurance (commercial, average)65$1,908 to $13,305$7,565
Without insurance (cash price)89$1,837 to $10,797$5,887
Blue Cross and Blue Shield of Illinois34$1,659 to $13,270$5,521
UnitedHealthcare50$1,572 to $13,469$8,077
Aetna30$1,579 to $16,983$6,180
Humana18$1,324 to $8,512$6,615

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 Illinois?

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 Illinois?

Across 65 Illinois hospitals, the negotiated rates commercial insurers pay for ACL Surgery average $1,908 to $13,305 per hospital, with a median near $7,565. 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 Illinois?

Cash (self-pay) prices for ACL Surgery at 89 Illinois hospitals range from $1,837 to $10,797, with a median of $5,887. 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 Blue Cross and Blue Shield of Illinois?

Blue Cross and Blue Shield of Illinois negotiated rates for ACL Surgery at 34 Illinois hospitals range from $1,659 to $13,270, with a median near $5,521. 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 Illinois?

UnitedHealthcare negotiated rates for ACL Surgery at 50 Illinois hospitals range from $1,572 to $13,469, with a median near $8,077. 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 Aetna in Illinois?

Aetna negotiated rates for ACL Surgery at 30 Illinois hospitals range from $1,579 to $16,983, with a median near $6,180. 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 Humana in Illinois?

Humana negotiated rates for ACL Surgery at 18 Illinois hospitals range from $1,324 to $8,512, with a median near $6,615. If a hospital is out of network for your Humana 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.

Hospital Outpatient
$1,744–$81,366
  • Facility fee $286–$77,478
  • Professional fee $1,458–$3,888

Estimated from CMS fee schedules + commercial rate multipliers

Hospital Inpatient
$3,231–$17,797
  • Facility fee $1,773–$13,909
  • Professional fee $1,458–$3,888

Estimated from CMS fee schedules + commercial rate multipliers

Illinois presents two distinct markets: Chicago (highly competitive, high commercial rates, major academic medical centers) and downstate (lower density, smaller regional systems, lower rates). Northwestern Medicine, Advocate Aurora Health, and Rush University Medical Center compete aggressively in the Chicago market. Downstate Illinois prices typically run 20–35% below Chicago-area rates for identical services.

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Why prices vary - and what it means for your coverage

A small number of hospitals (5) report prices above $15,330, including Northwestern Memorial Hospital at $27,637, 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 $6,328 versus $2,404 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.

What you pay out of pocket on top of this depends on your deductible, your plan's out-of-pocket maximum, and whether every provider involved is in-network - not just the facility.

Your situation Estimated out-of-pocket
Deductible not yet met ~$6,328
Deductible met - 20% coinsurance ~$1,266
Out-of-network provider $13,922+

Frequently asked questions: ACL Surgery costs in Illinois

How much does an ACL Surgery cost in Illinois?

The typical insurer-negotiated rate is $2,697, with most facilities between $911 and $6,967 (based on 91 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Illinois hospitals run $1,837–$10,797; 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 Illinois?

Based on declared prices, the lowest posted price in our Illinois data is University of Illinois Hospital & Clinics in Chicago at about $1,784. By metro, Kankakee has the lowest median ($6,016). 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 Illinois hospitals?

Typical prices vary about 7.6× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Illinois, the median cash (self-pay) price is $5,887 versus a median negotiated rate of $7,565 - 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 Illinois?

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

Other procedures in Illinois

ACL Surgery, elsewhere

CostKits compiles hospital price transparency data to help families make informed decisions. Track and manage your healthcare costs (free account).

Other Procedure Costs in Illinois

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Imaging and scans

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Sleep and breathing tests

Scopes and screening

General surgery

Lab tests

Ear, nose and throat

Urology and women's health

Eye care

Infusions

Emergency care

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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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Published October 29, 2026 · Updated October 29, 2026

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