Inguinal hernia repair, age 5+CPT 49505General surgery

Median commercial negotiated rate by hospital, from each hospital's own disclosure file. The same procedure spans a 9.6× price range across 18 Colorado hospitals. Open in the explorer → — filter by insurer or region, map it, or compare hospitals side by side.

How to read “% of Medicare” Medicare’s payment is a hospital-specific benchmark built from CMS files — adjusted for local wages and case complexity, and roughly pegged to the cost of care. A commercial rate at 300% means a private plan pays about triple that benchmark for the same care at the same hospital. The gap is negotiation, not quality. Full methodology →
Median commercial negotiated rate Medicare benchmark
$3,756

The part you don’t feel

Carlsbad Medical Center $35,855vsChristus St Vincent Regional Medical Center $3,724 what you pay what your plan pays
Deductible not metearly in the plan year
Carlsbad Medical Center
Christus St Vincent Regional Medical Center
$32,131you feel all of it
Deductible met20% coinsurance
Carlsbad Medical Center
Christus St Vincent Regional Medical Center
$6,426$25,705 invisible to you
Out-of-pocket max reacheda bad year, or a big surgery
Carlsbad Medical Center
Christus St Vincent Regional Medical Center
$0the market goes blind

The gap is $32,131 in every row. The only thing that changes is how much of it reaches the person choosing. Nobody hid the price — the deductible structure hides the difference, and a difference nobody feels is a difference nobody shops. Illustration uses a 20% coinsurance plan with no separate facility or professional bill; your own plan governs.

Detail (click headers to sort, or “why” for cost vs price)

HospitalCommercial medianMedicare% of MedicareEst. cost*Plan rows
Artesia General Hospital⚠ data flag$978$3,54428%$50017
Sierra Vista Hospital⚠ data flag$1,102$3,65830%—7
Rehoboth Mckinley Christian Health Care Services⚠ data flag$1,357$3,65837%—12
Cibola General Hospital⚠ data flag$1,603$3,65844%—14
San Juan Regional Medical Center Inc⚠ data flag$1,948$3,56855%$53519
Christus St Vincent Regional Medical Center$3,724$3,740100%—21
Unm Hospital$3,756$3,544106%$3,5462
Covenant Health Hobbs Hospital$4,439$3,552125%—1
Christus Southern New Mexico$5,383$3,544152%—3
Presbyterian Hospital$6,271$3,544177%—4
Holy Cross Hospital A Div Of Taos Health Systems$6,389$3,658175%—1
Presbyterian Espanola Hospital$6,695$3,610185%—3
Union County General Hospital$7,941$3,658217%—3
Plains Regional Medical Center$9,905$3,544279%—3
Presbyterian Santa Fe Medical Center$9,905$3,740265%—3
Socorro General Hospital$9,905$3,658271%—2
Dr Dan C Trigg Memorial Hospital$9,905$3,658271%—2
Lincoln County Medical Center$9,905$3,658271%—2
Memorial Medical Center$14,868$3,544419%—1
Los Alamos Medical Center$17,368$3,665474%—1
Eastern New Mexico Medical Center$26,996$3,544762%$4,79119
Mountain View Regional Medical Center$30,926$3,544872%$8,32317
Carlsbad Medical Center$35,855$3,5441012%$8,40021

*Cost estimates use hospital-level cost-to-charge ratios from federal cost reports and are approximate; ~ marks categories (imaging, labs) where they are least precise. "Plan rows" is how many distinct plan rates the hospital published; medians over more rows are sturdier.
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Rexroad Analytics · Data: hospital machine-readable files (45 CFR 180, schema v3.0) retrieved August 21–22, 2026; Medicare benchmarks from CMS claims data and fee schedules; cost estimates from FY2026 CMS cost-report ratios, labeled as estimates. Not medical, legal, or benefits advice. Full methodology → · The American Healthcare Conundrum →