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Healthcare costs,
decoded.

Hospital procedure prices, dental costs, CareCredit + HSA + FSA financing, No Surprises Act protections — explained without the spin.

Estimate my cost Read the guides
Federally-sourced data Plain-English explainers Editor-reviewed
Calculator

Out-of-pocket cost estimator.

Cost calculator launching with the first wave of procedure pages. Until then, dive into the guides below for procedure-specific pricing and financing options.

Guides

Start with what you need.

Three clusters cover most healthcare-cost questions: hospital procedure pricing, dental cost & financing, and how to pay (HSA, FSA, CareCredit, healthsharing).

Procedure cost guides
MRI, CT, colonoscopy, childbirth, knee replacement — what they actually cost.
Dental cost & financing
Implants, crowns, root canals — cash prices and dental discount plans.
CareCredit, HSA, FSA
Which payment option saves you the most for your situation.
Healthsharing plans
Medi-Share, Sedera, Liberty — side-by-side comparisons.
No Surprises Act
Your protections against balance billing and out-of-network surprises.
Negotiate medical bills
Charity care, payment plans, and bill-reduction tactics that work.

Guides launching weekly. The first wave covers the top 20 procedures and the four major financing options.

FAQ

Frequently asked questions.

Why are hospital prices so different from one place to the next?

Each hospital negotiates its own rates with each insurer, and federal price-transparency rules (CMS, effective 2024+) require hospitals to publish machine-readable files of those rates — but most consumers never see them. HealthCostHub decodes those files into procedure-by-metro pricing so you can compare before you book.

Can I really pay less than my insurance "allowed amount"?

Often, yes — especially with cash-pay self-pay discounts, charity care programs, financial-assistance applications, and direct negotiation. Many hospitals have published cash prices that are lower than their insurer-allowed amounts. We walk through the steps in the billing guides.

What's the difference between HSA, FSA, and CareCredit?

HSA (Health Savings Account) is a tax-advantaged savings account you pair with a high-deductible health plan — money stays yours forever. FSA (Flexible Spending Account) is use-it-or-lose-it through your employer. CareCredit is a healthcare credit card with promotional 0% APR periods. The right one depends on whether you have an HDHP, employer FSA access, and your credit profile. The financing guide breaks down all three.

Is HealthCostHub medical advice?

No. HealthCostHub is pricing and process information for educational purposes only. Always verify costs directly with your provider, insurer, or financing partner. For medical decisions, talk to a licensed clinician.