How much does a knee replacement cost in Florida?
That's the typical price in Florida before insurance — most people land between $34,919 and $59,554. Florida is the most expensive state in the country for hospital prices.
What you'd actually pay
| Typical employer or Silver plan | $10,600 |
| Uninsured (hospital cash price) | $52,324 |
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 Florida costs what it does
Florida hospitals charge private insurers 346% of what Medicare pays for the same care. The national average is 254%.
#1 most expensive of 50 states
The same care costs $22,271 in Arkansas and $47,567 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 $19,496 for this. In Florida, private insurers pay roughly 2.4× 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 Florida'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 →