ACL Surgery Cost in Minnesota (2026): Average Prices & What You'll Pay
What does a acl surgery cost in Minnesota?
The same acl surgery in Minnesota might cost you $3,567 at one facility and $6,897 at another - the building you walk into drives the difference. The median cash price across 77 reporting hospitals is $5,769. These figures come straight from hospital price transparency files published under federal law. The sections below break this down by coverage and by insurer.
Once you have a bill or an appointment on the calendar, CostKits can help you keep it all organized.
Where acl surgery costs vary in Minnesota
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.
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.
Your personalized cost report includes:
- ✓ Type of graft: The source of the graft, from your own tissue or a donor, affects the supplies and the bill.
- ✓ Surgery center or hospital: Facility fees differ between settings.
- ✓ Which bills usually arrive separately, and which providers to check are in-network
- ✓ The questions to ask before you schedule, so the estimate covers everything
- ✓ A real patient billing breakdown, line by line
Free for patients - takes 30 seconds to get.
We'll send a sign-in link to your email - click it to get your guide. No account required, no spam.
Cheapest ACL Surgery Providers in Minnesota
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs median ($5,769) |
|---|---|---|---|---|
| 1 | CCM HEALTH | MN | $2,463 | $3,306 below |
| 2 | Fairview Health Services | Burnsville, MN | $2,466 | $3,303 below |
| 3 | HealthEast St John's Hospital | Maplewood, MN | $2,466 | $3,303 below |
| 4 | HealthEast Woodwinds Hospital | Woodbury, MN | $2,466 | $3,303 below |
| 5 | Aspirus St. Luke’s Hospital | Duluth, MN | $2,581 | $3,188 below |
| 6 | United Hospital District, Inc | MN | $2,794 | $2,975 below |
| 7 | Ortonville Area Health Services | Ortonville, MN | $2,794 | $2,975 below |
| 8 | St Cloud Hospital | MN | $2,834 | $2,935 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
- CCM HEALTH is the lowest-cost option at $2,463 - $3,306 below the median posted price ($5,769), just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $6,002, 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) | 44 | $1,373 to $17,954 | $6,913 |
| Without insurance (cash price) | 86 | $2,464 to $9,875 | $6,002 |
| Blue Cross and Blue Shield of Minnesota | 34 | $959 to $24,269 | $4,842 |
| UnitedHealthcare | 22 | $1,747 to $8,557 | $6,242 |
| Cigna | 11 | $7,379 to $20,049 | $13,762 |
| Aetna | 5 | $4,068 to $17,741 | $6,319 |
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 Minnesota?
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 Minnesota?
Across 44 Minnesota hospitals, the negotiated rates commercial insurers pay for ACL Surgery average $1,373 to $17,954 per hospital, with a median near $6,913. 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 Minnesota?
Cash (self-pay) prices for ACL Surgery at 86 Minnesota hospitals range from $2,464 to $9,875, with a median of $6,002. 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 Minnesota?
Blue Cross and Blue Shield of Minnesota negotiated rates for ACL Surgery at 34 Minnesota hospitals range from $959 to $24,269, with a median near $4,842. 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 Minnesota?
UnitedHealthcare negotiated rates for ACL Surgery at 22 Minnesota hospitals range from $1,747 to $8,557, with a median near $6,242. 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 Minnesota?
Cigna negotiated rates for ACL Surgery at 11 Minnesota hospitals range from $7,379 to $20,049, with a median near $13,762. 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 Minnesota?
Aetna negotiated rates for ACL Surgery at 5 Minnesota hospitals range from $4,068 to $17,741, with a median near $6,319. 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 $608–$20,674
- Professional fee $1,458–$3,888
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $1,822–$5,387
- Professional fee $1,458–$3,888
Estimated from CMS fee schedules + commercial rate multipliers
Mayo Clinic anchors Rochester and draws referral patients from across the Upper Midwest, with pricing that reflects its tertiary-care market position. Allina Health and M Health Fairview (University of Minnesota) compete in the Twin Cities. Minnesota has a reputation for efficient care delivery, but that efficiency doesn't necessarily translate to lower commercial prices in a concentrated market.
Received a bill? Check it for errors → Estimate YOUR cost before you go → Managing more than one bill? See the family tracker →
Why prices vary - and what it means for your coverage
A small number of hospitals (8) report prices above $13,218, including Allina Health Surgery Center - Brooklyn Park at $20,674, 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 $5,769 versus $3,606 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 | ~$5,769 |
| Deductible met - 20% coinsurance | ~$1,154 |
| Out-of-network provider | $12,692+ |
Frequently asked questions: ACL Surgery costs in Minnesota
How much does an ACL Surgery cost in Minnesota?
The typical insurer-negotiated rate is $2,581, with most facilities between $726 and $5,126 (based on 77 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Minnesota hospitals run $2,464–$9,875; 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 Minnesota?
Based on declared prices, the lowest posted price in our Minnesota data is CCM HEALTH at about $2,463. By metro, Thief River Falls has the lowest median ($5,446). 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 Minnesota hospitals?
Typical prices vary about 7.1× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Minnesota, the median cash (self-pay) price is $6,002 versus a median negotiated rate of $6,913 - 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 Minnesota?
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 a Medicare Summary Notice
Other procedures in Minnesota
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 Minnesota
Bone, joint and pain
- Bunion Surgery Cost in Minnesota
- Carpal Tunnel Surgery Cost in Minnesota
- Cortisone Shot Cost in Minnesota
- Epidural Steroid Injection Cost in Minnesota
- Facet Joint Injection Cost in Minnesota
- Hip Replacement Cost in Minnesota
- Hip Replacement Cost in Minnesota
- Knee Arthroscopy Cost in Minnesota
- Knee Replacement Cost in Minnesota
- Knee Replacement Cost in Minnesota
- Physical Therapy Cost in Minnesota
- Rotator Cuff Surgery Cost in Minnesota
- Spinal Fusion Cost in Minnesota
- Spinal Fusion Cost in Minnesota
Imaging and scans
- Bone Density Test Cost in Minnesota
- CT Abdomen Cost in Minnesota
- CT Abdomen Cost in Minnesota
- CT Chest Cost in Minnesota
- CT Head Cost in Minnesota
- CT Scan Cost in Minnesota
- Doppler Ultrasound Cost in Minnesota
- Mammogram Cost in Minnesota
- MRI Brain Cost in Minnesota
- MRI Knee Cost in Minnesota
- MRI Cost in Minnesota
- PET Scan Cost in Minnesota
- Ultrasound Cost in Minnesota
- Xray Cost in Minnesota
Heart and cardiac tests
- Echocardiogram Cost in Minnesota
- Heart Catheterization Cost in Minnesota
- Nuclear Stress Test Cost in Minnesota
- Pacemaker Surgery Cost in Minnesota
- Treadmill Stress Test Cost in Minnesota
Sleep and breathing tests
- Home Sleep Test Cost in Minnesota
- Pulmonary Function Test Cost in Minnesota
- Sleep Study Cost in Minnesota
Scopes and screening
General surgery
- Appendectomy Cost in Minnesota
- Appendectomy Cost in Minnesota
- Breast Biopsy Cost in Minnesota
- Cholecystectomy Cost in Minnesota
- Cholecystectomy Cost in Minnesota
- Hernia Repair Cost in Minnesota
Lab tests
- A1C Test Cost in Minnesota
- CBC Blood Test Cost in Minnesota
- Cholesterol Test Cost in Minnesota
- Metabolic Panel Cost in Minnesota
- Thyroid Test (TSH) Cost in Minnesota
Ear, nose and throat
- Deviated Septum Surgery Cost in Minnesota
- Ear Tube Surgery Cost in Minnesota
- Hearing Test Cost in Minnesota
- Sinus Surgery Cost in Minnesota
- Tonsillectomy Cost in Minnesota
Urology and women's health
- Childbirth Cost in Minnesota
- Childbirth Cost in Minnesota
- Cystoscopy Cost in Minnesota
- D&C (Dilation and Curettage) Cost in Minnesota
- Hysterectomy Cost in Minnesota
- Hysterectomy Cost in Minnesota
- Hysteroscopy Cost in Minnesota
- Ovarian Cyst Removal Cost in Minnesota
- Prostate Biopsy Cost in Minnesota
- Vasectomy Cost in Minnesota
Eye care
- Cataract Surgery Cost in Minnesota
- Eye Injection Cost in Minnesota
- Glaucoma Laser Surgery Cost in Minnesota
- YAG Laser Surgery Cost in Minnesota
Infusions
Emergency care
Related Articles
Interested in understanding healthcare costs and managing your medical expenses?
- Free Cost EstimatorCalculate your exact out-of-pocket cost for any procedure
- Free Bill ScreenerCheck whether your bill and paperwork are ready for a professional review
- Family Bill TrackerTrack costs across every family member and every bill in one place
- ACL Surgery Cost GuideCompare ACL Surgery prices across all 50 states
- Deductible vs Out-of-Pocket MaximumLearn how insurance cost-sharing works and what you actually pay
- Cost ExplorerBrowse procedures and compare prices across the country
- Bunion Surgery Cost GuideCompare Bunion Surgery prices across all 50 states
- Cortisone Shot Cost GuideCompare Cortisone Shot prices across all 50 states
- Epidural Steroid Injection Cost GuideCompare Epidural Steroid Injection prices across all 50 states
About the Author
John Caruso, FSA, MAAA
Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.
Connect on LinkedIn →Ready to take control of your healthcare costs?
Use the free cost estimator → · Get your bill screened for free → · See the family plan →