About USHealthCosts.com

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Independent & Educational Resource

USHealthCosts.com is not affiliated with insurance companies, healthcare providers, or government agencies. We do not sell insurance, and our content is never influenced by advertisers. Our sole mission is education.

Our Mission: Healthcare Pricing Transparency

Navigating the American healthcare system is notoriously difficult. A 2023 study by the Health Care Cost Institute found that prices for the exact same medical procedure can vary by 500% or more within the same city. Meanwhile, approximately 40% of Americans eligible for ACA subsidies don't apply because they don't understand their eligibility.

USHealthCosts.com was founded in 2023 by health policy researchers and data analysts with a single goal: to provide clear, unbiased, and localized data on medical costs and insurance premiums. We believe that patients and policyholders deserve to know the "real" price—whether they are paying cash or shopping for a Marketplace plan.

Healthcare is deeply personal, and costs vary dramatically by location. That's why we focus on state-specific guides that account for regional differences in healthcare markets, insurance carriers, and Medicaid programs. Our goal is to help you become an informed healthcare consumer—empowered to ask the right questions and find fair prices.

What Makes Us Different

📊 Data-Driven Approach

Every cost range we publish is based on publicly available data from CMS, state insurance filings, and hospital price transparency reports—not anecdotal estimates or outdated surveys.

🏥 Local Focus

A "good price" in San Francisco is very different from one in rural Texas. We create state-specific guides that account for regional insurance carriers, local Medicaid programs, and geographic cost variation.

✍️ Plain Language

Healthcare jargon is confusing. We translate complex insurance terms and medical billing codes into simple English that anyone can understand—without sacrificing accuracy.

🔄 Regular Updates

Insurance premiums and eligibility rules change every year. We update our guides during each Open Enrollment period and whenever significant policy changes occur.

Why Trust Our Data?

Government Data Sources

We compile data from authoritative federal sources, including CMS.gov (Centers for Medicare & Medicaid Services), HealthCare.gov public use files, and hospital price transparency disclosures required by federal law since 2021.

State-Specific Verification

Healthcare is local. A "good price" in New York City is different from one in rural Alabama. Our guides are generated using state-specific benchmarks from state insurance department rate filings and local marketplace data.

Independent & Unbiased

We are not an insurance broker or healthcare provider. We do not sell leads to insurance companies or accept sponsored content. Our loyalty is to users seeking accurate information.

Annual Data Audits

Healthcare costs change annually. We audit our state data every Open Enrollment period (November-January) and update our guides when CMS releases new premium data or policy changes occur.

Our Content Review Process

Because healthcare information is YMYL (Your Money, Your Life) content, we hold ourselves to the highest standards for accuracy. Every guide published on USHealthCosts.com goes through a multi-step review process:

1

Data Collection

Raw data is gathered from CMS public use files, state insurance department filings, and hospital transparency reports.

2

Statistical Analysis

We calculate low (25th percentile), average (median), and high (75th percentile) ranges to show realistic price variation.

3

Editorial Review

Content is reviewed for clarity, accuracy, and completeness. We ensure claims are supported by data and sources are properly cited.

4

Ongoing Monitoring

Guides are flagged for review when new data is released or policies change. Outdated content is updated or clearly labeled.

Our Editorial Standards

Every guide on USHealthCosts.com follows strict editorial guidelines to ensure accuracy and helpfulness. We prioritize "YMYL" (Your Money, Your Life) standards, meaning we hold ourselves to a high bar for accuracy because this information impacts your finances and health.

  • We clearly distinguish between estimates and guaranteed prices—no healthcare cost is ever truly "guaranteed" until you receive a written quote.
  • We cite official government sources for all regulatory information and link directly to HealthCare.gov and state marketplaces.
  • We review content for clarity, avoiding medical jargon whenever possible while maintaining technical accuracy.
  • We never make specific insurance recommendations—our role is to educate, not to sell.
  • We label advertising content clearly and never allow ads to influence editorial decisions.

Learn more about our data sources on our Methodology page or review our complete Editorial Policy.

Coverage & Limitations

We currently provide detailed guides for 10 states representing approximately 55% of the U.S. population. Our coverage focuses on:

  • Health insurance premiums for individuals, couples, and families
  • ACA Marketplace plan information and subsidy eligibility
  • Common medical procedure costs (MRI, CT scan, ER visits, colonoscopy, mammogram)
  • State-specific resources and Medicaid information

We are actively expanding coverage to additional states. If your state isn't listed, we recommend using theofficial HealthCare.gov website for marketplace information or contacting a licensed insurance agent for personalized quotes.

Medical & Financial Disclaimer

The information provided on USHealthCosts.com is for educational and informational purposes only and does not constitute medical, insurance, or financial advice. While we strive for accuracy, healthcare prices are subject to change without notice and vary significantly by provider, location, and individual circumstances.

Always consult with: A qualified healthcare provider for medical decisions, a licensed insurance agent or the official Health Insurance Marketplace for insurance guidance, and a financial advisor for advice tailored to your specific situation.

Use of this site is subject to our Terms of Use, Privacy Policy, and Full Disclaimer.