How much does a hip replacement cost in Kentucky?
That's the typical price in Kentucky before insurance — most people land between $22,953 and $38,991. That's 9% below the US average of $34,396.
What you'd actually pay
| Typical employer or Silver plan | $10,472 |
| Uninsured (hospital cash price) | $34,261 |
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 Kentucky costs what it does
Kentucky hospitals charge private insurers 230% of what Medicare pays for the same care. The national average is 254%.
#38 most expensive of 50 states
The same care costs $21,938 in Arkansas and $46,854 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 $19,498 for this. In Kentucky, private insurers pay roughly 1.6× 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 Kentucky'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 →