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

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

What does a acl surgery cost in Pennsylvania?

Where you have an acl surgery done in Pennsylvania swings the bill from $1,954 to $5,129 for identical care. The median cash price across 75 reporting hospitals is $2,654. 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 Pennsylvania

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 Pennsylvania

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

# Facility City Price vs median ($2,654)
1 WEST PENN ALLEGHENY HEALTH SYSTEM INC Pittsburgh, PA $1,554 $1,100 below
2 SAINT VINCENT HEALTH CENTER Erie, PA $1,554 $1,100 below
3 ALLE-KISKI MEDICAL CENTER Natrona Heights, PA $1,554 $1,100 below
4 CANONSBURG GENERAL HOSPITAL Canonsburg, PA $1,554 $1,100 below
5 GROVE CITY MEDICAL CENTER Grove City, PA $1,554 $1,100 below
6 JEFFERSON REGIONAL MEDICAL CENTER Jefferson Hills, PA $1,554 $1,100 below
7 UPMC Horizon - Greenville Greenville, PA $1,628 $1,026 below
8 UPMC Jameson New Castle, PA $1,636 $1,018 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

  • WEST PENN ALLEGHENY HEALTH SYSTEM INC is the lowest-cost option at $1,554 - $1,100 below the median posted price ($2,654), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $2,654, and it's often lower than what insurance pays before your deductible is satisfied.
  • Ask whether this procedure can be done at a freestanding ambulatory surgical center - they're typically 30-60% cheaper than a hospital for identical care, and most aren't in this hospital-only dataset.
ACL Surgery prices by coverage in Pennsylvania, October 2026
CoverageHospitals with a rateTypical rangeMedian
Medicare (national rate)—$7,413 to $7,413$7,413
With insurance (commercial, average)68$2,978 to $18,733$7,298
Without insurance (cash price)76$1,554 to $7,346$2,654
Highmark Blue Cross Blue Shield64$1,274 to $15,453$7,123
Aetna49$4,007 to $23,743$6,511
Cigna40$3,074 to $22,691$8,974
UnitedHealthcare38$1,821 to $29,003$7,124

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 Pennsylvania?

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 Pennsylvania?

Across 68 Pennsylvania hospitals, the negotiated rates commercial insurers pay for ACL Surgery average $2,978 to $18,733 per hospital, with a median near $7,298. 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 Pennsylvania?

Cash (self-pay) prices for ACL Surgery at 76 Pennsylvania hospitals range from $1,554 to $7,346, with a median of $2,654. 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 Highmark Blue Cross Blue Shield in Pennsylvania?

Highmark Blue Cross Blue Shield negotiated rates for ACL Surgery at 64 Pennsylvania hospitals range from $1,274 to $15,453, with a median near $7,123. 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 Aetna in Pennsylvania?

Aetna negotiated rates for ACL Surgery at 49 Pennsylvania hospitals range from $4,007 to $23,743, with a median near $6,511. 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 Cigna in Pennsylvania?

Cigna negotiated rates for ACL Surgery at 40 Pennsylvania hospitals range from $3,074 to $22,691, with a median near $8,974. 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 UnitedHealthcare in Pennsylvania?

UnitedHealthcare negotiated rates for ACL Surgery at 38 Pennsylvania hospitals range from $1,821 to $29,003, with a median near $7,124. 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
$1,924–$35,515
  • Facility fee $466–$31,627
  • Professional fee $1,458–$3,888

Estimated from CMS fee schedules + commercial rate multipliers

Hospital Inpatient
$1,924–$31,059
  • Facility fee $466–$27,171
  • Professional fee $1,458–$3,888

Estimated from CMS fee schedules + commercial rate multipliers

Pennsylvania has a highly fragmented hospital market - Penn Medicine, Jefferson Health, Temple Health, and Tower Health compete in Philadelphia; UPMC and Highmark/Allegheny Health Network are engaged in one of the country's most litigated payer-provider disputes in Pittsburgh. The UPMC vs. Highmark conflict has directly affected patients' ability to use their insurance at in-network facilities. Rural Pennsylvania prices are substantially lower than the two major metro markets.

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Why prices vary - and what it means for your coverage

A small number of hospitals (3) report prices above $13,305, including Surgical Institute of Reading LLC at $10,468, 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 $2,654 versus $1,618 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 ~$2,654
Deductible met - 20% coinsurance ~$531
Out-of-network provider $5,839+

Frequently asked questions: ACL Surgery costs in Pennsylvania

How much does an ACL Surgery cost in Pennsylvania?

The typical insurer-negotiated rate is $970, with most facilities between $752 and $1,342 (based on 75 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Pennsylvania hospitals run $1,554–$7,346; 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 Pennsylvania?

Based on declared prices, the lowest posted price in our Pennsylvania data is WEST PENN ALLEGHENY HEALTH SYSTEM INC in Pittsburgh at about $1,554. By metro, Pittsburgh has the lowest median ($1,668). 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 Pennsylvania hospitals?

Typical prices vary about 1.8× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Pennsylvania, the median cash (self-pay) price is $2,654 versus a median negotiated rate of $7,298 - 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 Pennsylvania?

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 Pennsylvania

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 Pennsylvania

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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