How much does hernia surgery cost in Tennessee?
That's the typical price in Tennessee before insurance — most people land between $4,385 and $9,968. That's 8% below the US average of $7,358.
What you'd actually pay
| Typical employer or Silver plan | $5,599 |
| Uninsured (hospital cash price) | $7,456 |
Silver assumes a $5,304 deductible, 20% coinsurance, capped at the $10,600 out-of-pocket maximum. If you're uninsured, ask about charity care — nonprofit hospitals can't bill you list price if you qualify, and most people never ask.
Try your own plan →Why Tennessee costs what it does
Tennessee hospitals charge private insurers 234% of what Medicare pays for the same care. The national average is 254%.
#36 most expensive of 50 states
The same care costs $4,693 in Arkansas and $10,023 in Florida — a 2.1× spread for identical treatment. Where you live is one of the biggest single factors in your bill.
What Medicare pays
Medicare pays $3,997 for this. In Tennessee, private insurers pay roughly 1.7× that.
Compare nearby states
An estimate, not a bill. Built from published data: the national price from Health Care Cost Institute — HealthPrices.org, scaled by Tennessee's hospital price level from RAND. Your actual bill depends on your hospital, your plan and your diagnosis. Not medical or financial advice. How we work this out →