Insured vs. Uninsured Costs Comparison
These examples outline how much a hospital stay could cost and how much you would pay under two scenarios: (1) if you have a medical plan and use network providers, or (2) if you have no insurance at all. Amounts shown are illustrative only.
Notice that a person with insurance saves money two ways—first, because the hospital charges the health plan a negotiated fee that is less than the standard fee, and second, because the health plan picks up the costs.
|With Insurance||Without Insurance|
|Hospital charges:||$6,500 (discounted rate for health plan)||$10,500|
|Health plan pays:||100% (in-network hospital)||0%|
|Patient pays:||$0||$10,500 plus interest if you have to pay in installments|