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

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

What does a acl surgery cost in Texas?

Where you have an acl surgery done in Texas swings the bill from $2,369 to $3,465 for identical care. The median cash price across 243 reporting hospitals is $3,300. The numbers are pulled directly from federally mandated hospital price transparency files. The sections below break this down by coverage and by insurer.

Three low-priced facilities in Texas, from hospital price files

  • Memorial Hermann Specialty Hospital Kingwood L L C · Kingwood, TX $2,276
  • Methodist Hospital Levelland · Levelland, TX $2,300
  • Covenant Medical Center · Lubbock, TX $2,300

All 243 facilities are listed below, free.

Where acl surgery costs vary in Texas

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 Texas

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

# Facility City Price vs median ($3,300)
1 Memorial Hermann Specialty Hospital Kingwood L L C Kingwood, TX $2,276 $1,024 below
2 Methodist Hospital Levelland Levelland, TX $2,300 $1,000 below
3 Covenant Medical Center Lubbock, TX $2,300 $1,000 below
4 Methodist Hospital Plainview Plainview, TX $2,300 $1,000 below
5 ST. DAVID'S NORTH AUSTIN MEDICAL CENTER Austin, TX $2,323 $977 below
6 HEART HOSP OF AUSTIN AT ST. DAVID'S ROUND ROCK Round Rock, TX $2,323 $977 below
7 ST. DAVID'S ROUND ROCK MEDICAL CENTER Bldg 4, TX $2,323 $977 below
8 ST. DAVID'S GEORGETOWN HOSPITAL Georgetown, TX $2,323 $977 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

  • Memorial Hermann Specialty Hospital Kingwood L L C is the lowest-cost option at $2,276 - $1,024 below the median posted price ($3,300), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $3,300, 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 Texas, October 2026
CoverageHospitals with a rateTypical rangeMedian
Medicare (national rate)—$7,413 to $7,413$7,413
With insurance (commercial, average)215$4,621 to $12,500$7,828
Without insurance (cash price)253$2,275 to $7,289$3,300
Blue Cross and Blue Shield of Texas184$2,765 to $14,297$9,577
Aetna138$1,963 to $24,931$5,415
Cigna134$3,752 to $21,036$8,588
UnitedHealthcare100$3,576 to $17,444$8,126

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 Texas?

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 Texas?

Across 215 Texas hospitals, the negotiated rates commercial insurers pay for ACL Surgery average $4,621 to $12,500 per hospital, with a median near $7,828. 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 Texas?

Cash (self-pay) prices for ACL Surgery at 253 Texas hospitals range from $2,275 to $7,289, with a median of $3,300. 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 Texas?

Blue Cross and Blue Shield of Texas negotiated rates for ACL Surgery at 184 Texas hospitals range from $2,765 to $14,297, with a median near $9,577. 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 Texas?

Aetna negotiated rates for ACL Surgery at 138 Texas hospitals range from $1,963 to $24,931, with a median near $5,415. 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 Texas?

Cigna negotiated rates for ACL Surgery at 134 Texas hospitals range from $3,752 to $21,036, with a median near $8,588. 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 Texas?

UnitedHealthcare negotiated rates for ACL Surgery at 100 Texas hospitals range from $3,576 to $17,444, with a median near $8,126. 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
$2,509–$81,429
  • Facility fee $1,051–$77,541
  • Professional fee $1,458–$3,888

Estimated from CMS fee schedules + commercial rate multipliers

Hospital Inpatient
$3,056–$66,446
  • Facility fee $1,598–$62,558
  • Professional fee $1,458–$3,888

Estimated from CMS fee schedules + commercial rate multipliers

Texas is the largest commercial hospital market in the country by revenue. HCA, Tenet, and Community Health Systems are significant for-profit players across the state. Dallas-Fort Worth, Houston, and San Antonio have genuine multi-system competition that creates real price variation. Rural Texas - particularly West Texas and the Panhandle - has extensive critical access hospital coverage where pricing differs substantially from urban PPS hospitals.

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Why prices vary - and what it means for your coverage

A small number of hospitals (58) report prices above $5,579, including Texas Regional Medical Center, LLC at $20,528, 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 $3,300 versus $3,310 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.

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 ~$3,300
Deductible met - 20% coinsurance ~$660
Out-of-network provider $7,260+

Frequently asked questions: ACL Surgery costs in Texas

How much does an ACL Surgery cost in Texas?

The typical insurer-negotiated rate is $2,522, with most facilities between $1,436 and $3,300 (based on 243 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Texas hospitals run $2,275–$7,289; 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 Texas?

Based on declared prices, the lowest posted price in our Texas data is Memorial Hermann Specialty Hospital Kingwood L L C in Kingwood at about $2,276. By metro, Houston has the lowest median ($2,537). 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 Texas hospitals?

Typical prices vary about 2.3× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Texas, the median cash (self-pay) price is $3,300 versus a median negotiated rate of $7,828 - 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 Texas?

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 Texas

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 Texas

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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