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

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

What does a acl surgery cost in Massachusetts?

You could pay $2,272 or $7,224 for the same acl surgery in Massachusetts - depending entirely on which facility you choose. The median cash price across 29 reporting hospitals is $3,698. This data comes directly from hospital price transparency files published under federal law. The sections below break this down by coverage and by insurer.

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Where acl surgery costs vary in Massachusetts

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 Massachusetts

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

# Facility City Price vs median ($3,698)
1 HENRY HEYWOOD MEMORIAL HOSPITAL Gardner, MA $2,000 $1,698 below
2 ATHOL MEMORIAL HOSPITAL INCORPORATED Athol, MA $2,000 $1,698 below
3 Falmouth Hospital Falmouth, MA $2,014 $1,684 below
4 Cape Cod Hospital Hyannis, MA $2,101 $1,597 below
5 Beth Israel Deaconess Hospital - Plymouth Plymouth, MA $2,117 $1,581 below
6 The Mercy Hospital Inc Springfield, MA $2,153 $1,545 below
7 Beth Israel Deaconess Hospital-Milton Inc Milton, MA $2,272 $1,426 below
8 New England Baptist Hospital Boston, MA $2,444 $1,254 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

  • HENRY HEYWOOD MEMORIAL HOSPITAL is the lowest-cost option at $2,000 - $1,698 below the median posted price ($3,698), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $3,503, 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 Massachusetts, October 2026
CoverageHospitals with a rateTypical rangeMedian
Medicare (national rate)—$7,413 to $7,413$7,413
With insurance (commercial, average)21$5,234 to $11,448$8,488
Without insurance (cash price)29$1,969 to $16,887$3,503
Blue Cross Blue Shield of Massachusetts19$5,442 to $10,727$9,092
UnitedHealthcare13$6,265 to $15,389$8,696
Cigna9$2,178 to $12,691$5,057
Aetna7$2,013 to $24,502$3,699

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 Massachusetts?

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 Massachusetts?

Across 21 Massachusetts hospitals, the negotiated rates commercial insurers pay for ACL Surgery average $5,234 to $11,448 per hospital, with a median near $8,488. 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 Massachusetts?

Cash (self-pay) prices for ACL Surgery at 29 Massachusetts hospitals range from $1,969 to $16,887, with a median of $3,503. 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 Blue Shield of Massachusetts?

Blue Cross Blue Shield of Massachusetts negotiated rates for ACL Surgery at 19 Massachusetts hospitals range from $5,442 to $10,727, with a median near $9,092. 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 Massachusetts?

UnitedHealthcare negotiated rates for ACL Surgery at 13 Massachusetts hospitals range from $6,265 to $15,389, with a median near $8,696. 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 Massachusetts?

Cigna negotiated rates for ACL Surgery at 9 Massachusetts hospitals range from $2,178 to $12,691, with a median near $5,057. 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 Massachusetts?

Aetna negotiated rates for ACL Surgery at 7 Massachusetts hospitals range from $2,013 to $24,502, with a median near $3,699. 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.

Hospital Outpatient
$2,997–$58,758
  • Facility fee $1,539–$54,870
  • Professional fee $1,458–$3,888

Estimated from CMS fee schedules + commercial rate multipliers

Hospital Inpatient
$3,305–$21,181
  • Facility fee $1,847–$17,293
  • Professional fee $1,458–$3,888

Estimated from CMS fee schedules + commercial rate multipliers

Massachusetts has the highest commercial hospital reimbursement rates in the country, driven by extreme labor costs, the dominance of Mass General Brigham (Partners HealthCare), and a regulatory environment that has struggled to contain negotiated rate growth. The state has enacted multiple price transparency and rate growth laws aimed at curbing this pattern. Self-pay cash discounts in Massachusetts tend to be proportionally larger than in other high-cost states.

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Why prices vary - and what it means for your coverage

A small number of hospitals (6) report prices above $15,978, including UMass Memorial Medical Center at $42,995, 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 $3,698 versus $9,630 inpatient (about 2.6× 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 ~$3,698
Deductible met - 20% coinsurance ~$740
Out-of-network provider $8,136+

Frequently asked questions: ACL Surgery costs in Massachusetts

How much does an ACL Surgery cost in Massachusetts?

The typical insurer-negotiated rate is $2,117, with most facilities between $779 and $3,503 (based on 29 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Massachusetts hospitals run $1,969–$16,887; 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 Massachusetts?

Based on declared prices, the lowest posted price in our Massachusetts data is HENRY HEYWOOD MEMORIAL HOSPITAL in Gardner at about $2,000. By metro, Boston has the lowest median ($2,459). 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 Massachusetts hospitals?

Typical prices vary about 4.5× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Massachusetts, the median cash (self-pay) price is $3,503 versus a median negotiated rate of $8,488 - 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 Massachusetts?

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 Massachusetts

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 Massachusetts

Bone, joint and pain

Imaging and scans

Heart and cardiac tests

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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