How much does a pneumonia hospital stay cost in the US?

a pneumonia hospital stay typically costs $13,767 in the United States before insurance, usually between $9,763 and $20,292. This is an insurer-negotiated allowed amount, not the inflated list price. Source: Peterson-KFF Health System Tracker — cost of respiratory hospitalization (2018).

How much more than Medicare do insurers pay for a pneumonia hospital stay?

Medicare pays $11,262 for a pneumonia hospital stay. Private insurers pay about 1.2× that amount.

What would I pay for a pneumonia hospital stay with insurance?

It depends on your plan. With a Silver marketplace plan ($5,304 deductible, 20% coinsurance, $10,600 out-of-pocket maximum) you pay the deductible then a share of the rest, capped at the out-of-pocket maximum. If you are uninsured you are typically quoted the hospital's cash price, which runs about 10% HIGHER than the insurer-negotiated rate.

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I get pneumonia

Hospital admission for pneumonia. Average stay is about 3 days.

Typical US price before insurance

$13,767

$9,763typical range$20,292

This is an allowed amount — the price actually negotiated with insurers, not the inflated list price. Source: Peterson-KFF Health System Tracker — cost of respiratory hospitalization (2018).

⚠️ This figure is from 2018 — the most recent commercial price published. No newer one exists. For scale: Medicare paid an average of $10,812 for a simple pneumonia admission in 2024 (facility only, CMS).

What Medicare pays for the same care $11,262

Private insurers pay 1.2× what Medicare pays for this.

All-in: $10,812 to the hospital plus $450 to the doctor (IPPS/MS-DRG, 2024). Divide the two figures above and you get our ratio — check our arithmetic. Source: CMS.

What you'd actually pay

Your coverage

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Where you live

Your state

$13,767

The national average price.

State prices from RAND's hospital price study — how much your state's hospitals charge private insurers relative to Medicare. This is a statewide price level, not a per-procedure state price. Maryland isn't shown: it sets hospital rates for all payers, so the comparison doesn't apply there.

a pneumonia hospital stay cost by state

Prices swing more than 2× across the country for identical care. Pick your state:

Alabama $11,436 Alaska $15,881 Arizona $15,122 Arkansas $8,781 California $16,911 Colorado $15,772 Connecticut $13,930 Delaware $16,802 District of Columbia $13,062 Florida $18,753 Georgia $17,182 Hawaii $13,333 Idaho $15,664 Illinois $13,659 Indiana $16,260 Iowa $12,304 Kansas $13,604 Kentucky $12,466 Louisiana $12,575 Maine $13,767 Massachusetts $10,461 Michigan $10,244 Minnesota $12,900 Mississippi $10,027 Missouri $13,388 Montana $13,713 Nebraska $15,447 Nevada $14,526 New Hampshire $11,707 New Jersey $14,472 New Mexico $13,279 New York $16,802 North Carolina $15,176 North Dakota $12,304 Ohio $15,014 Oklahoma $12,195 Oregon $13,821 Pennsylvania $12,141 Rhode Island $10,678 South Carolina $17,615 South Dakota $13,550 Tennessee $12,683 Texas $13,604 Utah $11,762 Vermont $15,339 Virginia $14,201 Washington $13,550 West Virginia $18,157 Wisconsin $17,398 Wyoming $14,634

This is an estimate, not a bill. It applies published average deductibles and a 20% coinsurance (KFF's measured average for a hospital admission) to a national average price. Your actual plan, hospital and diagnosis will move this number. Not medical or financial advice.