How Much Does a Hip Replacement Cost in 2026?
Without insurance, a hip replacement typically costs $14,000 to $40,000. With insurance, most people pay about $2,000 to $7,500 out of pocket, depending on their plan and where they go.
- Cash/self-pay bundles typically run $14,000-$40,000; MDsave outpatient bundles start around $17,466 (all fees included).
- An ambulatory surgery center is the lowest-cost venue; Medicare pays ~$10,776 there vs ~$14,278 at a hospital outpatient department.
- Billed/chargemaster charges (median ~$68,000, up to $150,000+) are far above what insurers, Medicare, or negotiated cash payers actually pay, so never treat the list price as final.
Hip Replacement Cost by Where You Go
Cash / self-pay price ranges. Where you have the procedure is usually the biggest factor.
| Where | Cash price |
|---|---|
| Ambulatory surgery center (ASC) | $15,000 to $28,000 |
| Bundled cash-price surgery center (e.g. Surgery Center of Oklahoma-style) | $16,000 to $22,000 |
| Hospital outpatient (same-day discharge) | $20,000 to $40,000 |
| Hospital inpatient (overnight stay) | $25,000 to $50,000 |
Lowest price: A bundled cash-price ambulatory surgery center (ASC) that posts an all-in package price
What Makes Up the Bill
Total billed before insurance is typically $35,000 to $120,000. It is usually split across:
Medicare's Procedure Price Lookup (2025) for CPT 27130 shows about $10,776 total at an ambulatory surgery center (~$9,614 facility + ~$1,162 surgeon; patient owes ~$2,155) and about $14,278 at a hospital outpatient department (~$13,116 facility + ~$1,162 surgeon; patient owes ~$2,855). The surgeon's professional fee is ~$1,162 (about 34.8 RVUs). Inpatient stays are instead paid under Part A via the DRG, not this fee schedule.
With vs. Without Insurance
Without insurance (self-pay)
$14,000 to $40,000
Ask for the cash or prompt-pay price up front. It is often far below the billed amount.
With insurance (out of pocket)
$2,000 to $7,500
With commercial insurance, an in-network hip replacement leaves you owing your deductible plus coinsurance up to your annual out-of-pocket maximum, commonly $2,000-$7,500 total. Confirm the surgeon, facility, AND anesthesiologist are all in-network to avoid balance/surprise bills, and get prior authorization. If uninsured, ask for the self-pay/prompt-pay discount and compare against a bundled cash package, both are usually far below the billed charges. Medicare beneficiaries owe about $2,155-$2,855 in outpatient settings unless a Medigap plan covers the coinsurance.
Prices vary widely by region. Hip replacement in the Northeast and on the West Coast averages roughly 20-40% more than in the South or Midwest, driven by higher facility and labor costs. Within a single metro, hospital-reported cash prices for CPT 27130 can differ by 10x or more, and chargemaster (list) prices show only weak correlation with local cost of living, so shopping locally matters more than your region alone.
How to Pay Less
Ask for an all-in bundled cash price
Marketplaces like MDsave list outpatient hip replacement bundles starting around $17,466 (all fees included, no surprise bills). Bundled ASC packages routinely beat hospital pricing by 30-50%.
Choose an ASC over a hospital when eligible
For healthy candidates, an ambulatory surgery center carries a much lower facility fee than a hospital outpatient department (Medicare: ~$10,776 vs ~$14,278). Ask your surgeon if you qualify for outpatient/same-day surgery.
Request the self-pay/prompt-pay discount in writing
Uninsured patients are billed the full chargemaster rate, often 2-3x the negotiated rate. Hospitals commonly cut 30-60% for cash paid upfront. Get the discounted all-in estimate before scheduling.
Compare hospitals using price-transparency files
Federal rules require hospitals to post machine-readable cash prices. Reported CPT 27130 prices range widely (one dataset: $835 to $21,390 for the facility line), so shopping 3-4 local facilities can save thousands.
Check charity care / financial assistance
Nonprofit hospitals must offer financial assistance; many waive or heavily discount bills for incomes up to 200-400% of the federal poverty level, even for planned surgery.
Check hospital charity care, or get the bill reduced
Uninsured or lower income? Many hospitals offer free or discounted care. Use the charity care finder to see if you qualify nearby. Already billed? CareRoute Bill Defense reviews and negotiates it down, with no fee unless we save you money.
Get your exact cost for your ZIP and insurance
Free, no signup. Enter the procedure, your ZIP code, and insurance to see what you would likely pay.
Open the cost estimatorFrequently Asked Questions
Does insurance cover a hip replacement?
Yes. Total hip replacement is medically necessary and covered by essentially all commercial plans, Medicare, and Medicaid when you meet criteria (documented arthritis/damage and failed conservative treatment). Your out-of-pocket is your deductible plus coinsurance, capped by your plan's annual out-of-pocket maximum, typically $2,000-$7,500.
Why is the billed amount so much higher than what people actually pay?
The chargemaster (list) price is a starting point almost no one pays. Median billed charges for major joint replacement run around $68,000 and can exceed $150,000, but insurers pay negotiated rates and Medicare pays roughly $10,000-$15,000 in outpatient settings. Cash patients should always negotiate off the billed amount.
Is an outpatient (ASC) hip replacement safe and cheaper?
For healthy patients, yes. Since Medicare removed hip replacement from the inpatient-only list, many are done same-day at ambulatory surgery centers with equivalent outcomes and lower facility fees. It is typically the cheapest venue. Higher-risk patients may still need an inpatient stay.
What does the price include, and what might be extra?
A bundled price usually covers the surgeon, anesthesia, facility, and implant. Watch for separate bills for pre-op labs and imaging, the anesthesiologist if out-of-network, physical therapy, and any post-op complications or extra nights. Always ask what is and is not included.
How much does Medicare pay for CPT 27130?
In 2025 Medicare's total approved amount is about $10,776 at an ASC and $14,278 at a hospital outpatient department, with the patient responsible for roughly $2,155-$2,855 after the Part B deductible (a Medigap plan can cover that). Inpatient cases are paid under Part A via the DRG instead.
More Cost Guides
Sources
- Medicare.gov Procedure Price Lookup (CPT 27130, ASC and hospital outpatient rates, 2025)
- CMS Medicare Physician Fee Schedule / RVUs (CPT 27130, ~$1,162 professional fee)
- MDsave outpatient hip replacement bundle pricing ($17,466-$33,550, avg $26,219)
- MyCareCost hospital price-transparency dataset (avg cash ~$14,428)
- Healthcare Bluebook fair-price data and PMC study on chargemaster variation (median ~$68,016 for major joint arthroplasty)
- GoodRx hip replacement cost breakdown (surgeon, anesthesia, implant, facility components)
Prices are national estimates for 2026 and vary by location, provider, and your specific plan. Last updated July 15, 2026.