Federal MRF Price Database

Compare the Negotiated Cost of Your Care.

Federal law requires hospitals to publish negotiated insurance rates. Prices for the same procedure can vary several-fold between nearby hospitals. Search our database to inspect local pricing before scheduling treatment.

In The Database

Live Index Coverage

Hospitals Mapped: 3,764
Procedure Prices Indexed: 330,478
Avg Negotiated Rate vs Medicare: 4.33x
Every price on this site comes directly from hospital machine-readable files published under the federal price transparency rule (45 CFR §180).
Average Cash Discount 31% Less

Average self-pay discount below the insurance negotiated median, where hospitals in our index publish both prices.

Price Disparity 2.7x Variance

Median high-to-low price spread for the same procedure across hospitals in the same market, measured across our index.

Average Hospital Markup 4.3x Medicare

Average negotiated commercial rate in our index relative to the federal Medicare reference rate for the same procedures.

How to Find and Compare Prices

Three simple steps to decode your medical bills and pay fair rates.

01

Select Your Location

Choose your state and select your local metro area or city. Hospital costs vary heavily by geographic market.

02

Compare Real Rates

Look up your procedure. View the commercial insurance rate range vs. the cash discount rate for self-pay.

03

Audit Using Benchmarks

Use the Medicare standard rate multiplier to see if your hospital's price is fair or represents an excessive markup.

Insured with a High Deductible?

If you pay out of pocket before your insurance starts, you are paying the hospital's negotiated contract rate. Search local hospitals to find where your insurance network has negotiated the lowest absolute price.

Uninsured or Paying Cash?

Hospitals are legally required to list their self-pay cash discount prices. Look up cash prices to bypass insurance entirely, and use the Medicare multiplier to ask billing departments for fair self-pay discounts.

Select Your State to Compare Hospital Prices

* Hospital rate datasets are compiled and verified state-by-state. States in green are currently active; remaining states are rolling out weekly.

L Hospitals with the Lowest Price Markups

Hospital Name Location Markup vs. Medicare
Willapa Harbor Hospital South Bend, WA 0.03x
Louisiana Extended Care Hospital of Natchitoches Natchitoches, LA 0.11x
Select Specialty Hospital - Phoenix Phoenix, AZ 0.14x
Select Specialty Hospital - Tucson Northwest Tucson, AZ 0.14x
Select Specialty Hospital-Arizona Phoenix, AZ 0.14x

H Hospitals with the Highest Price Markups

Hospital Name Location Markup vs. Medicare
Unity Physicians Hospital Mishawaka, IN 726.39x
Ohio Valley Surgical Hospital Springfield, OH 580.80x
Memorial Hermann Houston Physicians Hospital Webster, TX 522.88x
Baylor Scott & White Medical Center - Frisco Frisco, TX 276.42x
Eastern State Hospital Lexington, KY 143.56x