Every commercial insurer rate these hospitals posted, as a dollar amount and as a multiple of the hospital's own Medicare base rate.
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| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Henry Ford Health -St John Hospital median $16,337 · local Medicare $10,694 · file 2026-01-01 | |||
| Aetna | $9,410 | 0.9× | 1 |
| Humana | $8,400 | 0.8× | 1 |
| MultiPlan/PHCS (rental network) | $9,410 | 0.9× | 2 |
| Ppom | $16,337 | 1.5× | 1 |
| Priority HMO | $20,242 | 1.9× | 1 |
| Priority PPO | $20,242 | 1.9× | 1 |
| Smarthealth | $16,345 | 1.5× | 1 |
| UnitedHealthcare | $10,828 | 1.0× | 4 |
| Henry Ford Health Rochester Hospital median $20,068 · local Medicare $10,694 · file 2026-01-01 | |||
| BCBS Michigan | $29,927 | 2.8× | 4 |
| Smarthealth | $10,210 | 1.0× | 1 |
| Corewell Health Beaumont Grosse Pointe Hospital median $20,662 · local Medicare $10,694 · file 2026-05-01 | |||
| Aetna | $21,130 | 2.0× | 1 |
| BCBS Michigan | $25,853 | 2.4× | 1 |
| Cigna | $20,662 | 1.9× | 1 |
| Health Alliance Plan | $16,750 | 1.6× | 2 |
| Priority Health | $20,662 | 1.9× | 1 |
| Corewell Health William Beaumont University Hospit median $20,662 · local Medicare $10,694 · file 2026-05-01 | |||
| Aetna | $21,130 | 2.0× | 1 |
| BCBS Michigan | $26,078 | 2.4× | 1 |
| Cigna | $20,662 | 1.9× | 1 |
| Health Alliance Plan | $19,010 | 1.8× | 2 |
| Priority Health | $20,662 | 1.9× | 1 |
| Corewell Health Wayne Hospital median $20,662 · local Medicare $10,694 · file 2026-05-01 | |||
| Aetna | $21,130 | 2.0× | 1 |
| BCBS Michigan | $27,612 | 2.6× | 1 |
| Cigna | $20,662 | 1.9× | 1 |
| Health Alliance Plan | $17,538 | 1.6× | 1 |
| Priority Health | $20,662 | 1.9× | 1 |
| Corewell Health Farmington Hills Hospital median $20,662 · local Medicare $10,694 · file 2026-05-01 | |||
| Aetna | $21,130 | 2.0× | 1 |
| BCBS Michigan | $27,539 | 2.6× | 1 |
| Cigna | $20,662 | 1.9× | 1 |
| Health Alliance Plan | $15,637 | 1.5× | 3 |
| MultiPlan/PHCS (rental network) | $12,059 | 1.1× | 1 |
| Priority Health | $20,662 | 1.9× | 1 |
| Corewell Health Trenton Hospital median $20,662 · local Medicare $10,694 · file 2026-05-01 | |||
| Aetna | $21,130 | 2.0× | 1 |
| BCBS Michigan | $25,757 | 2.4× | 1 |
| Cigna | $20,662 | 1.9× | 1 |
| Health Alliance Plan | $17,538 | 1.6× | 1 |
| Priority Health | $20,662 | 1.9× | 1 |
| Henry Ford Health Macomb Hospital median $20,676 · local Medicare $10,694 · file 2026-06-28 | |||
| Aetna | $19,992 | 1.9× | 1 |
| BCBS Michigan | $25,683 | 2.4× | 3 |
| Bcn | $25,683 | 2.4× | 1 |
| Cofinity (rental network) | $15,659 | 1.5× | 1 |
| HAP | $14,665 | 1.4× | 3 |
| Nomi | $21,207 | 2.0× | 1 |
| Priority Health | $20,616 | 1.9× | 1 |
| UnitedHealthcare | $18,884 | 1.8× | 3 |
| Vitalcore | $20,736 | 1.9× | 1 |
| Corewell Health Dearborn Hospital median $20,896 · local Medicare $10,694 · file 2026-05-01 | |||
| Aetna | $21,130 | 2.0× | 1 |
| BCBS Michigan | $26,814 | 2.5× | 1 |
| Health Alliance Plan | $17,538 | 1.6× | 1 |
| Priority Health | $20,662 | 1.9× | 1 |
| Mclaren Port Huron median $24,901 · local Medicare $10,694 · file 2025-12-31 | |||
| BCBS Michigan | $24,901 | 2.3× | 1 |
| Henry Ford Health Hospital median $25,496 · local Medicare $10,694 · file 2026-06-28 | |||
| Aetna | $15,763 | 1.5× | 1 |
| BCBS Michigan | $37,883 | 3.5× | 3 |
| Bcn | $37,883 | 3.5× | 1 |
| Cofinity (rental network) | $27,856 | 2.6× | 1 |
| HAP | $19,733 | 1.8× | 3 |
| Nomi | $29,364 | 2.7× | 1 |
| Priority Health | $25,340 | 2.4× | 1 |
| UnitedHealthcare | $25,651 | 2.4× | 3 |
| Vitalcore | $23,917 | 2.2× | 1 |
| Trinity Health Oakland Hospital median $28,378 · local Medicare $10,694 · file 2026-03-31 | |||
| Aetna | $22,496 | 2.1× | 4 |
| Asr Health Benefits | $24,682 | 2.3× | 1 |
| BCBS (other) | $28,378 | 2.7× | 1 |
| BCBS AZ | $28,378 | 2.7× | 1 |
| BCBS MN | $28,378 | 2.7× | 1 |
| BCBS Michigan | $28,378 | 2.7× | 29 |
| BCBS NC | $28,378 | 2.7× | 1 |
| BCBS TN | $28,378 | 2.7× | 1 |
| Bcn Domestic | $28,378 | 2.7× | 1 |
| CareFirst BCBS | $28,378 | 2.7× | 2 |
| Elevance/Anthem/Empire | $28,378 | 2.7× | 13 |
| Employee Benefit Logistic | $13,425 | 1.3× | 1 |
| Excellus BCBS | $28,378 | 2.7× | 1 |
| HAP | $24,682 | 2.3× | 2 |
| Highmark BCBS | $28,378 | 2.7× | 5 |
| Horizon BCBS NJ | $28,378 | 2.7× | 1 |
| Independence Blue Cross | $28,378 | 2.7× | 1 |
| Kaiser Permanente | $28,378 | 2.7× | 1 |
| Premera Blue Cross | $28,378 | 2.7× | 2 |
| Priority Health | $23,312 | 2.2× | 2 |
| Regence BlueShield | $28,378 | 2.7× | 4 |
| U Of M Health Plan | $21,238 | 2.0× | 1 |
| Varipro | $24,682 | 2.3× | 1 |
| Wellmark BCBS | $28,378 | 2.7× | 2 |
| Huron Valley-Sinai Hospital median $29,526 · local Medicare $10,694 · file 2026-05-20 | |||
| BCBS Michigan | $31,420 | 2.9× | 1 |
| UnitedHealthcare | $27,632 | 2.6× | 4 |
| Harper University Hospital median $29,902 · local Medicare $10,694 · file 2026-09-02 | |||
| BCBS Michigan | $34,004 | 3.2× | 1 |
| UnitedHealthcare | $25,800 | 2.4× | 4 |
| Trinity Health Livonia Hospital median $35,127 · local Medicare $10,694 · file 2026-03-31 | |||
| Aetna | $23,831 | 2.2× | 4 |
| Asr Health Benefits | $25,973 | 2.4× | 1 |
| BCBS (other) | $35,127 | 3.3× | 1 |
| BCBS AZ | $35,127 | 3.3× | 1 |
| BCBS MN | $35,127 | 3.3× | 1 |
| BCBS Michigan | $35,127 | 3.3× | 29 |
| BCBS NC | $35,127 | 3.3× | 1 |
| BCBS TN | $35,127 | 3.3× | 1 |
| Bcn Domestic | $35,127 | 3.3× | 1 |
| CareFirst BCBS | $35,127 | 3.3× | 2 |
| Elevance/Anthem/Empire | $35,127 | 3.3× | 13 |
| Employee Benefit Logistic | $24,998 | 2.3× | 1 |
| Excellus BCBS | $35,127 | 3.3× | 1 |
| HAP | $25,973 | 2.4× | 2 |
| Highmark BCBS | $35,127 | 3.3× | 5 |
| Horizon BCBS NJ | $35,127 | 3.3× | 1 |
| Independence Blue Cross | $35,127 | 3.3× | 1 |
| Kaiser Permanente | $35,127 | 3.3× | 1 |
| Premera Blue Cross | $35,127 | 3.3× | 2 |
| Priority Health | $24,531 | 2.3× | 2 |
| Regence BlueShield | $35,127 | 3.3× | 4 |
| U Of M Health Plan | $22,350 | 2.1× | 1 |
| Varipro | $25,973 | 2.4× | 1 |
| Wellmark BCBS | $35,127 | 3.3× | 2 |
| Trinity Health Livingston Hospital median $37,194 · local Medicare $10,694 · file 2026-03-31 | |||
| Aetna | $22,404 | 2.1× | 3 |
| Asr Health Benefits | $23,023 | 2.2× | 1 |
| BCBS (other) | $37,194 | 3.5× | 1 |
| BCBS AZ | $37,194 | 3.5× | 1 |
| BCBS MN | $37,194 | 3.5× | 1 |
| BCBS Michigan | $37,194 | 3.5× | 29 |
| BCBS NC | $37,194 | 3.5× | 1 |
| BCBS TN | $37,194 | 3.5× | 1 |
| Bcn Domestic | $37,194 | 3.5× | 1 |
| CareFirst BCBS | $37,194 | 3.5× | 2 |
| Elevance/Anthem/Empire | $37,194 | 3.5× | 13 |
| Employee Benefit Logistic | $24,772 | 2.3× | 1 |
| Excellus BCBS | $37,194 | 3.5× | 1 |
| HAP | $23,023 | 2.2× | 2 |
| Health Cost Solutions | $17,065 | 1.6× | 1 |
| Highmark BCBS | $37,194 | 3.5× | 5 |
| Horizon BCBS NJ | $37,194 | 3.5× | 1 |
| Independence Blue Cross | $37,194 | 3.5× | 1 |
| Kaiser Permanente | $37,194 | 3.5× | 1 |
| Premera Blue Cross | $37,194 | 3.5× | 2 |
| Priority Health | $23,322 | 2.2× | 2 |
| Regence BlueShield | $37,194 | 3.5× | 4 |
| U Of M Health Plan | $21,249 | 2.0× | 1 |
| Varipro | $23,023 | 2.2× | 1 |
| Wellmark BCBS | $37,194 | 3.5× | 2 |
| Wellpath | $17,065 | 1.6× | 1 |
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Henry Ford Health -St John Hospital median $17,341 · local Medicare $11,345 · file 2026-01-01 | |||
| Aetna | $9,410 | 0.8× | 1 |
| Humana | $8,400 | 0.7× | 1 |
| MultiPlan/PHCS (rental network) | $9,410 | 0.8× | 2 |
| Ppom | $18,731 | 1.7× | 1 |
| Priority HMO | $23,208 | 2.0× | 1 |
| Priority PPO | $23,208 | 2.0× | 1 |
| Smarthealth | $17,341 | 1.5× | 1 |
| UnitedHealthcare | $10,828 | 1.0× | 4 |
| Henry Ford Health Rochester Hospital median $21,862 · local Medicare $11,345 · file 2026-01-01 | |||
| BCBS Michigan | $32,893 | 2.9× | 4 |
| Smarthealth | $10,832 | 1.0× | 1 |
| Corewell Health Beaumont Grosse Pointe Hospital median $21,921 · local Medicare $11,345 · file 2026-05-01 | |||
| Aetna | $22,417 | 2.0× | 1 |
| BCBS Michigan | $28,416 | 2.5× | 1 |
| Cigna | $21,921 | 1.9× | 1 |
| Health Alliance Plan | $17,771 | 1.6× | 2 |
| Priority Health | $21,921 | 1.9× | 1 |
| Corewell Health William Beaumont University Hospit median $21,921 · local Medicare $11,345 · file 2026-05-01 | |||
| Aetna | $22,417 | 2.0× | 1 |
| BCBS Michigan | $28,662 | 2.5× | 1 |
| Cigna | $21,921 | 1.9× | 1 |
| Health Alliance Plan | $20,168 | 1.8× | 2 |
| Priority Health | $21,921 | 1.9× | 1 |
| Corewell Health Wayne Hospital median $21,921 · local Medicare $11,345 · file 2026-05-01 | |||
| Aetna | $22,417 | 2.0× | 1 |
| BCBS Michigan | $30,348 | 2.7× | 1 |
| Cigna | $21,921 | 1.9× | 1 |
| Health Alliance Plan | $18,606 | 1.6× | 1 |
| Priority Health | $21,921 | 1.9× | 1 |
| Corewell Health Farmington Hills Hospital median $21,921 · local Medicare $11,345 · file 2026-05-01 | |||
| Aetna | $22,417 | 2.0× | 1 |
| BCBS Michigan | $30,268 | 2.7× | 1 |
| Cigna | $21,921 | 1.9× | 1 |
| Health Alliance Plan | $16,590 | 1.5× | 3 |
| MultiPlan/PHCS (rental network) | $13,174 | 1.2× | 1 |
| Priority Health | $21,921 | 1.9× | 1 |
| Corewell Health Trenton Hospital median $21,921 · local Medicare $11,345 · file 2026-05-01 | |||
| Aetna | $22,417 | 2.0× | 1 |
| BCBS Michigan | $28,310 | 2.5× | 1 |
| Cigna | $21,921 | 1.9× | 1 |
| Health Alliance Plan | $18,606 | 1.6× | 1 |
| Priority Health | $21,921 | 1.9× | 1 |
| Corewell Health Dearborn Hospital median $22,169 · local Medicare $11,345 · file 2026-05-01 | |||
| Aetna | $22,417 | 2.0× | 1 |
| BCBS Michigan | $29,471 | 2.6× | 1 |
| Health Alliance Plan | $18,606 | 1.6× | 1 |
| Priority Health | $21,921 | 1.9× | 1 |
| Henry Ford Health Macomb Hospital median $22,231 · local Medicare $11,345 · file 2026-06-28 | |||
| Aetna | $21,210 | 1.9× | 1 |
| BCBS Michigan | $28,229 | 2.5× | 3 |
| Bcn | $28,229 | 2.5× | 1 |
| Cofinity (rental network) | $16,613 | 1.5× | 1 |
| HAP | $15,558 | 1.4× | 3 |
| Nomi | $22,499 | 2.0× | 1 |
| Priority Health | $22,523 | 2.0× | 1 |
| UnitedHealthcare | $20,034 | 1.8× | 3 |
| Vitalcore | $21,963 | 1.9× | 1 |
| Mclaren Port Huron median $27,369 · local Medicare $11,345 · file 2025-12-31 | |||
| BCBS Michigan | $27,369 | 2.4× | 1 |
| Henry Ford Health Hospital median $29,418 · local Medicare $11,345 · file 2026-06-28 | |||
| Aetna | $21,197 | 1.9× | 1 |
| BCBS Michigan | $41,638 | 3.7× | 3 |
| Bcn | $41,638 | 3.7× | 1 |
| Cofinity (rental network) | $29,553 | 2.6× | 1 |
| HAP | $20,935 | 1.8× | 3 |
| Nomi | $31,153 | 2.7× | 1 |
| Priority Health | $27,684 | 2.4× | 1 |
| UnitedHealthcare | $33,826 | 3.0× | 3 |
| Vitalcore | $25,232 | 2.2× | 1 |
| Huron Valley-Sinai Hospital median $31,924 · local Medicare $11,345 · file 2026-05-20 | |||
| BCBS Michigan | $34,534 | 3.0× | 1 |
| UnitedHealthcare | $29,315 | 2.6× | 4 |
| Harper University Hospital median $32,374 · local Medicare $11,345 · file 2026-09-02 | |||
| BCBS Michigan | $37,375 | 3.3× | 1 |
| UnitedHealthcare | $27,372 | 2.4× | 4 |
| Trinity Health Livonia Hospital median $38,608 · local Medicare $11,345 · file 2026-03-31 | |||
| Aetna | $25,283 | 2.2× | 4 |
| Asr Health Benefits | $27,556 | 2.4× | 1 |
| BCBS (other) | $38,608 | 3.4× | 1 |
| BCBS AZ | $38,608 | 3.4× | 1 |
| BCBS MN | $38,608 | 3.4× | 1 |
| BCBS Michigan | $38,608 | 3.4× | 29 |
| BCBS NC | $38,608 | 3.4× | 1 |
| BCBS TN | $38,608 | 3.4× | 1 |
| Bcn Domestic | $38,608 | 3.4× | 1 |
| CareFirst BCBS | $38,608 | 3.4× | 2 |
| Elevance/Anthem/Empire | $38,608 | 3.4× | 13 |
| Employee Benefit Logistic | $26,482 | 2.3× | 1 |
| Excellus BCBS | $38,608 | 3.4× | 1 |
| HAP | $27,556 | 2.4× | 2 |
| Highmark BCBS | $38,608 | 3.4× | 5 |
| Horizon BCBS NJ | $38,608 | 3.4× | 1 |
| Independence Blue Cross | $38,608 | 3.4× | 1 |
| Kaiser Permanente | $38,608 | 3.4× | 1 |
| Premera Blue Cross | $38,608 | 3.4× | 2 |
| Priority Health | $26,026 | 2.3× | 2 |
| Regence BlueShield | $38,608 | 3.4× | 4 |
| U Of M Health Plan | $23,712 | 2.1× | 1 |
| Varipro | $27,556 | 2.4× | 1 |
| Wellmark BCBS | $38,608 | 3.4× | 2 |
| Trinity Health Livingston Hospital median $40,880 · local Medicare $11,345 · file 2026-03-31 | |||
| Aetna | $23,769 | 2.1× | 3 |
| Asr Health Benefits | $24,425 | 2.2× | 1 |
| BCBS (other) | $40,880 | 3.6× | 1 |
| BCBS AZ | $40,880 | 3.6× | 1 |
| BCBS MN | $40,880 | 3.6× | 1 |
| BCBS Michigan | $40,880 | 3.6× | 29 |
| BCBS NC | $40,880 | 3.6× | 1 |
| BCBS TN | $40,880 | 3.6× | 1 |
| Bcn Domestic | $40,880 | 3.6× | 1 |
| CareFirst BCBS | $40,880 | 3.6× | 2 |
| Elevance/Anthem/Empire | $40,880 | 3.6× | 13 |
| Employee Benefit Logistic | $26,281 | 2.3× | 1 |
| Excellus BCBS | $40,880 | 3.6× | 1 |
| HAP | $24,425 | 2.2× | 2 |
| Health Cost Solutions | $18,105 | 1.6× | 1 |
| Highmark BCBS | $40,880 | 3.6× | 5 |
| Horizon BCBS NJ | $40,880 | 3.6× | 1 |
| Independence Blue Cross | $40,880 | 3.6× | 1 |
| Kaiser Permanente | $40,880 | 3.6× | 1 |
| Premera Blue Cross | $40,880 | 3.6× | 2 |
| Priority Health | $24,743 | 2.2× | 2 |
| Regence BlueShield | $40,880 | 3.6× | 4 |
| U Of M Health Plan | $22,543 | 2.0× | 1 |
| Varipro | $24,425 | 2.2× | 1 |
| Wellmark BCBS | $40,880 | 3.6× | 2 |
| Wellpath | $18,105 | 1.6× | 1 |
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Henry Ford Health Rochester Hospital median $32,562 · local Medicare $20,470 · file 2026-01-01 | |||
| BCBS Michigan | $45,581 | 2.2× | 4 |
| Smarthealth | $19,544 | 1.0× | 1 |
| Henry Ford Health -St John Hospital median $34,373 · local Medicare $20,470 · file 2026-01-01 | |||
| Ppom | $30,231 | 1.5× | 1 |
| Priority HMO | $37,458 | 1.8× | 1 |
| Priority PPO | $37,458 | 1.8× | 1 |
| Smarthealth | $31,288 | 1.5× | 1 |
| Henry Ford Health Macomb Hospital median $38,786 · local Medicare $20,470 · file 2026-06-28 | |||
| Aetna | $38,270 | 1.9× | 1 |
| BCBS Michigan | $39,118 | 1.9× | 3 |
| Bcn | $39,118 | 1.9× | 1 |
| Cofinity (rental network) | $29,974 | 1.5× | 1 |
| HAP | $28,071 | 1.4× | 3 |
| Nomi | $40,594 | 2.0× | 1 |
| Priority Health | $38,453 | 1.9× | 1 |
| UnitedHealthcare | $36,147 | 1.8× | 3 |
| Vitalcore | $39,145 | 1.9× | 1 |
| Corewell Health Beaumont Grosse Pointe Hospital median $39,552 · local Medicare $20,470 · file 2026-05-01 | |||
| Aetna | $40,447 | 2.0× | 1 |
| BCBS Michigan | $39,377 | 1.9× | 1 |
| Cigna | $39,552 | 1.9× | 1 |
| Health Alliance Plan | $32,063 | 1.6× | 2 |
| Priority Health | $39,552 | 1.9× | 1 |
| Corewell Health William Beaumont University Hospit median $39,552 · local Medicare $20,470 · file 2026-05-01 | |||
| Aetna | $40,447 | 2.0× | 1 |
| BCBS Michigan | $39,719 | 1.9× | 1 |
| Cigna | $39,552 | 1.9× | 1 |
| Health Alliance Plan | $36,389 | 1.8× | 2 |
| Priority Health | $39,552 | 1.9× | 1 |
| Corewell Health Wayne Hospital median $39,552 · local Medicare $20,470 · file 2026-05-01 | |||
| Aetna | $40,447 | 2.0× | 1 |
| BCBS Michigan | $42,055 | 2.1× | 1 |
| Cigna | $39,552 | 1.9× | 1 |
| Health Alliance Plan | $33,571 | 1.6× | 1 |
| Priority Health | $39,552 | 1.9× | 1 |
| Corewell Health Farmington Hills Hospital median $39,552 · local Medicare $20,470 · file 2026-05-01 | |||
| Aetna | $40,447 | 2.0× | 1 |
| BCBS Michigan | $41,944 | 2.0× | 1 |
| Cigna | $39,552 | 1.9× | 1 |
| Health Alliance Plan | $29,933 | 1.5× | 3 |
| MultiPlan/PHCS (rental network) | $22,493 | 1.1× | 1 |
| Priority Health | $39,552 | 1.9× | 1 |
| Corewell Health Trenton Hospital median $39,552 · local Medicare $20,470 · file 2026-05-01 | |||
| Aetna | $40,447 | 2.0× | 1 |
| BCBS Michigan | $39,231 | 1.9× | 1 |
| Cigna | $39,552 | 1.9× | 1 |
| Health Alliance Plan | $33,571 | 1.6× | 1 |
| Priority Health | $39,552 | 1.9× | 1 |
| Corewell Health Dearborn Hospital median $40,000 · local Medicare $20,470 · file 2026-05-01 | |||
| Aetna | $40,447 | 2.0× | 1 |
| BCBS Michigan | $40,840 | 2.0× | 1 |
| Health Alliance Plan | $33,571 | 1.6× | 1 |
| Priority Health | $39,552 | 1.9× | 1 |
| Huron Valley-Sinai Hospital median $50,374 · local Medicare $20,470 · file 2026-05-20 | |||
| BCBS Michigan | $47,855 | 2.3× | 1 |
| UnitedHealthcare | $52,893 | 2.6× | 4 |
| Harper University Hospital median $50,590 · local Medicare $20,470 · file 2026-09-02 | |||
| BCBS Michigan | $51,792 | 2.5× | 1 |
| UnitedHealthcare | $49,388 | 2.4× | 4 |
| Henry Ford Health Hospital median $51,737 · local Medicare $20,470 · file 2026-06-28 | |||
| Aetna | $32,069 | 1.6× | 1 |
| BCBS Michigan | $57,700 | 2.8× | 3 |
| Bcn | $57,700 | 2.8× | 1 |
| Cofinity (rental network) | $53,322 | 2.6× | 1 |
| HAP | $37,773 | 1.8× | 3 |
| Nomi | $56,209 | 2.7× | 1 |
| Priority Health | $47,265 | 2.3× | 1 |
| UnitedHealthcare | $63,073 | 3.1× | 3 |
| Vitalcore | $43,655 | 2.1× | 1 |
16 Detroit MI hospitals post usable commercial rates for inpatient stay (MS-DRG 621). The median across hospitals is $20,786; hospital medians range from $16,337 to $37,194. Your cost depends on your plan's deductible and coinsurance.