How Much Does ACL Reconstruction Cost?
ACL reconstruction is a surgical procedure to replace a torn anterior cruciate ligament (ACL) in the knee. It uses a tissue graft to rebuild the ligament and restore knee stability, commonly needed after sports injuries.
Without Insurance
$25,000
With Insurance
$4,000
Medicare
$3,500
National Average
$10,833
Cost by State
| State | Without Insurance | With Insurance | Medicare |
|---|---|---|---|
| Mississippi | $18,000 | $2,900 | $2,500 |
| Arkansas | $18,800 | $3,000 | $2,650 |
| West Virginia | $18,800 | $3,000 | $2,650 |
| Alabama | $19,500 | $3,100 | $2,750 |
| Oklahoma | $19,500 | $3,100 | $2,750 |
| Kentucky | $21,300 | $3,400 | $3,000 |
| Louisiana | $21,500 | $3,450 | $3,000 |
| Iowa | $22,000 | $3,500 | $3,100 |
| New Mexico | $22,000 | $3,500 | $3,100 |
| South Carolina | $22,000 | $3,500 | $3,100 |
| South Dakota | $22,000 | $3,500 | $3,100 |
| Kansas | $22,300 | $3,550 | $3,100 |
| North Dakota | $22,300 | $3,550 | $3,100 |
| Idaho | $22,500 | $3,600 | $3,150 |
| Nebraska | $22,500 | $3,600 | $3,150 |
| Tennessee | $22,500 | $3,600 | $3,150 |
| Indiana | $23,300 | $3,700 | $3,250 |
| Missouri | $23,300 | $3,700 | $3,250 |
| Utah | $23,300 | $3,700 | $3,250 |
| Wyoming | $23,300 | $3,700 | $3,250 |
| Georgia | $23,500 | $3,750 | $3,300 |
| North Carolina | $23,500 | $3,750 | $3,300 |
| Michigan | $23,800 | $3,800 | $3,350 |
| Montana | $23,800 | $3,800 | $3,350 |
| Arizona | $24,500 | $3,900 | $3,450 |
| Ohio | $24,500 | $3,900 | $3,450 |
| Wisconsin | $24,500 | $3,900 | $3,450 |
| Maine | $24,800 | $3,950 | $3,450 |
| Texas | $24,800 | $3,950 | $3,450 |
| Florida | $25,300 | $4,050 | $3,550 |
| Minnesota | $25,300 | $4,050 | $3,550 |
| Illinois | $25,800 | $4,100 | $3,600 |
| Pennsylvania | $25,800 | $4,100 | $3,600 |
| Delaware | $26,000 | $4,150 | $3,650 |
| Nevada | $26,000 | $4,150 | $3,650 |
| Vermont | $26,000 | $4,150 | $3,650 |
| Virginia | $26,000 | $4,150 | $3,650 |
| Colorado | $26,500 | $4,250 | $3,700 |
| New Hampshire | $26,500 | $4,250 | $3,700 |
| Oregon | $26,500 | $4,250 | $3,700 |
| Maryland | $27,500 | $4,400 | $3,850 |
| Rhode Island | $27,800 | $4,450 | $3,900 |
| Washington | $27,800 | $4,450 | $3,900 |
| Connecticut | $30,000 | $4,800 | $4,200 |
| New Jersey | $30,000 | $4,800 | $4,200 |
| California | $33,000 | $5,300 | $4,600 |
| Massachusetts | $33,300 | $5,300 | $4,650 |
| Alaska | $33,800 | $5,400 | $4,750 |
| New York | $33,800 | $5,400 | $4,750 |
| Hawaii | $34,500 | $5,500 | $4,850 |
Frequently Asked Questions
How much does acl reconstruction cost without insurance?
The average cost of acl reconstruction without insurance in the United States is $25,000. Costs vary significantly by state.
Does insurance cover acl reconstruction?
Most health insurance plans cover acl reconstruction when medically necessary. With insurance, the average out-of-pocket cost is $4,000.
Does Medicare cover acl reconstruction?
Medicare Part B typically covers acl reconstruction when ordered by a doctor. The average Medicare-approved amount is $3,500.
Data sourced from CMS Medicare Provider Utilization and Payment Data 2025. Last updated: 2026-03-01. This information is for educational purposes only and does not constitute medical advice. This website is for informational purposes only and does not constitute medical advice. Always consult a qualified healthcare professional.