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

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

What does a acl surgery cost in New Mexico?

Where you have an acl surgery done in New Mexico swings the bill from $6,000 to $7,542 for identical care. The median cash price across 13 reporting hospitals is $6,690. The numbers are pulled directly from federally mandated hospital price transparency files. The sections below break this down by coverage and by insurer.

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Where acl surgery costs vary in New Mexico

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 New Mexico

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

# Facility City Price vs median ($6,690)
1 THREE CROSSES REGIONAL HOSPITAL LLC Las Cruces, NM $2,968 $3,722 below
2 Artesia General Hospital Artesia, NM $5,883 $807 below
3 St. Vincent Regional Medical Center Santa Fe, NM $5,975 $715 below
4 Gerald Champion Regional Medical Center Alamogordo, NM $5,975 $715 below
5 Presbyterian Healthcare Services Albuquerque, NM $6,227 $463 below
6 Presbyterian Healthcare Services Espanola, NM $7,152 $462 above
7 Presbyterian Healthcare Services Jr, NM $7,183 $493 above
8 Covenant Hospital Hobbs Hobbs, NM $7,197 $507 above

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

  • THREE CROSSES REGIONAL HOSPITAL LLC is the lowest-cost option at $2,968 - $3,722 below the median posted price ($6,690), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $6,690, 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.
ACL Surgery prices by coverage in New Mexico, October 2026
CoverageHospitals with a rateTypical rangeMedian
Medicare (national rate)—$7,413 to $7,413$7,413
With insurance (commercial, average)9$6,599 to $19,193$14,296
Without insurance (cash price)16$4,426 to $11,037$6,690
Blue Cross and Blue Shield of New Mexico3$4,768 to $6,644$6,573
UnitedHealthcare5$7,279 to $31,870$31,870

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 New Mexico?

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 New Mexico?

Across 9 New Mexico hospitals, the negotiated rates commercial insurers pay for ACL Surgery average $6,599 to $19,193 per hospital, with a median near $14,296. 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 New Mexico?

Cash (self-pay) prices for ACL Surgery at 16 New Mexico hospitals range from $4,426 to $11,037, with a median of $6,690. 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 New Mexico?

Blue Cross and Blue Shield of New Mexico negotiated rates for ACL Surgery at 3 New Mexico hospitals range from $4,768 to $6,644, with a median near $6,573. 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 New Mexico?

UnitedHealthcare negotiated rates for ACL Surgery at 5 New Mexico hospitals range from $7,279 to $31,870, with a median near $31,870. 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.

Hospital Outpatient
$2,287–$44,883
  • Facility fee $829–$40,995
  • Professional fee $1,458–$3,888

Estimated from CMS fee schedules + commercial rate multipliers

Presbyterian Healthcare Services and Lovelace Health System cover most of the Albuquerque market, which is New Mexico's primary commercial hub. Significant portions of the state's population are served by Indian Health Service facilities and critical access hospitals with different pricing and billing structures than commercial hospitals. Prices in Albuquerque are generally moderate by Southwest standards.

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Why prices vary - and what it means for your coverage

A small number of hospitals (1) report prices above $12,212, including Presbyterian Healthcare Services at $11,037, which drives most of the overall spread - excluding them, most facilities cluster in a much tighter band. Facility classification matters as much as the hospital itself - a hospital-owned outpatient center adds a facility fee that a freestanding clinic does not. 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 ~$6,690
Deductible met - 20% coinsurance ~$1,338
Out-of-network provider $14,718+

Frequently asked questions: ACL Surgery costs in New Mexico

How much does an ACL Surgery cost in New Mexico?

The typical insurer-negotiated rate is $6,608, with most facilities between $6,038 and $7,196 (based on 13 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of New Mexico hospitals run $4,426–$11,037; 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 New Mexico?

Based on declared prices, the lowest posted price in our New Mexico data is THREE CROSSES REGIONAL HOSPITAL LLC in Las Cruces at about $2,968. By metro, Albuquerque has the lowest median ($6,227). 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 New Mexico hospitals?

Typical prices vary about 1.2× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In New Mexico, the median cash (self-pay) price is $6,690 versus a median negotiated rate of $14,296 - 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 New Mexico?

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 New Mexico

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 New Mexico

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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