Hip Replacement Cost in the USA (2026): Surgery Price, Insurance, Medicare & Out-of-Pocket Expenses

If you’re searching “how much does a hip replacement cost?”, you’re likely dealing with severe hip pain, arthritis, or mobility problems - and you need real numbers before making a decision.

Here’s the short answer for 2026:

The average total hip replacement cost in the U.S. ranges from $32,000 to $65,000 without insurance.
With insurance, most patients pay $3,000 to $9,000 out-of-pocket, depending on their plan.

Now let’s break this down clearly so you can understand exactly what affects the price.

What Is the Average Cost of Hip Replacement Surgery in 2026?

A total hip replacement (also called total hip arthroplasty or THR) replaces the damaged hip joint with an artificial implant.

Average 2026 Cost Estimates

Scenario	Estimated Cost
Without insurance	$32,000 – $65,000
With private insurance	$3,000 – $9,000 out-of-pocket
Medicare patient	$1,800 – $7,000 depending on supplemental plan
Outpatient hip replacement	$20,000 – $40,000
Double hip replacement	$55,000 – $95,000

Costs vary significantly depending on the hospital, surgeon, implant type, and whether the procedure is inpatient or outpatient.

If you’re comparing specialists, you can find an orthopedic surgeon in the USA through FindADoc and review clinics before scheduling consultations.

What Factors Affect Hip Replacement Surgery Cost?

Most competitor articles give only basic estimates. Here’s a deeper 2026 breakdown:

Inpatient vs Outpatient Surgery

Since policy updates under Medicare, many hip replacements can now be performed in outpatient surgical centers.

• Inpatient hospital stay (1–3 days): Higher cost

• Same-day outpatient surgery: Typically $10,000–$20,000 cheaper

Outpatient hip replacement is one of the fastest-growing orthopedic trends in 2026.

Geographic Location

Surgery in major metro areas like:

• New York City

• Los Angeles

• Houston

tends to cost more than procedures in smaller Midwestern cities.

Implant Material (Ceramic vs Titanium)

Search trends show rising interest in:

• Titanium hip replacement cost

• Ceramic hip replacement cost

• Cost of hip implant

Premium implant materials can increase total surgical cost by $2,000–$6,000.

Common types:

• Metal-on-polyethylene

• Ceramic-on-polyethylene

• Ceramic-on-ceramic

• Titanium alloy components

Your surgeon will recommend based on age, activity level, and bone quality.

Surgeon Experience & Facility Fees

Board-certified, high-volume orthopedic surgeons may charge higher professional fees — but often deliver better long-term outcomes and lower revision risk.

Before scheduling surgery, compare multiple providers using FindADoc to find the best clinic in the USA for your needs.

Pre- & Post-Surgery Expenses

Total cost usually includes:

• Surgeon fees

• Anesthesia

• Operating room charges

• Implant device

• Hospital stay (if inpatient)

• Imaging (X-rays, MRI)

• Physical therapy

• Follow-up visits

• Prescription medications

Many cost guides don’t clearly list these components - but they significantly impact your final bill.

Also Read: Knee Replacement Cost in USA

Hip Replacement Cost With Insurance

If you have employer-sponsored or marketplace insurance:

You typically pay:

• Annual deductible

• 10–30% coinsurance

• Copays

Average out-of-pocket cost in 2026: $3,000–$9,000

High-deductible plans may push costs higher until your maximum out-of-pocket limit is reached.

Before committing, confirm whether your surgeon and facility are in-network.

Does Medicare Cover Hip Replacement?

Yes.

Under Medicare, hip replacement is covered when medically necessary.

Typical Medicare patient costs:

• Part B deductible

• 20% coinsurance

• Hospital deductible if inpatient

With Medigap or Medicare Advantage plans, costs are often reduced significantly.

Hip Replacement Cost Without Insurance

If uninsured, expect to pay the full negotiated hospital rate:

$32,000–$65,000

However, many hospitals offer:

• Cash-pay discounts

• Payment plans

• Financial assistance programs

It’s wise to request a detailed cost estimate from multiple providers before deciding.

You can use FindADoc to find a doctor in the USA and contact clinics directly to compare pricing transparency.

How Long Does a Hip Replacement Last?

Modern hip implants last:

15 to 25 years, sometimes longer.

Longevity depends on:

• Implant material

• Surgical technique

• Patient weight

• Activity level

Choosing an experienced orthopedic surgeon significantly improves long-term success rates.

Is Hip Replacement Major Surgery?

Yes, it is considered major orthopedic surgery.

However, recovery protocols have improved dramatically:

• Many patients walk same day

• Shorter hospital stays

• Faster rehabilitation

• Lower complication rates compared to 10 years ago

For severe osteoarthritis, hip replacement often restores mobility and eliminates chronic pain.

FAQs About Hip Replacement Cost in USA

How much does a hip replacement cost in the USA?

Between $32,000 and $65,000 without insurance.

How much does hip replacement cost with insurance?

Most patients pay $3,000–$9,000 out-of-pocket.

What is the cost of a hip implant alone?

Implants typically range from $3,000 to $10,000, depending on material and manufacturer.

Is outpatient hip replacement cheaper?

Yes - usually $10,000–$20,000 less than inpatient hospital surgery.

How much does a double hip replacement cost?

Between $55,000 and $95,000, depending on location and facility.

How to Compare Hip Replacement Surgeons in the USA

Before scheduling surgery:

Compare surgeon experience
Check hospital complication rates
Confirm insurance network status
Request full cost breakdown
Ask about implant type

You can use FindADoc to search by state and review orthopedic specialists before contacting clinics.

Making an informed financial and medical decision starts with comparing providers carefully.