How Much Does ACL Surgery Cost Without Insurance?
ACL (anterior cruciate ligament) reconstruction is a common procedure to repair a torn knee ligament, especially in athletes and active individuals. For those without health insurance, the cost of ACL surgery can be a major concern.
On average, ACL reconstruction costs:
- United States: between $15,000 and $25,000
- United Kingdom (private care): between £6,000 and £10,000
The final cost depends on several factors, including the type of graft used, surgeon’s experience, and whether you require hospital admission.
What’s Included in the Cost of ACL Surgery?
1. Surgeon’s Fees
- The surgeon’s experience and expertise can significantly influence pricing.
- Complex cases or revision surgeries may cost more.
2. Hospital or Facility Fees
- Charges for the operating room, nursing staff, and surgical equipment.
- Outpatient procedures (same-day discharge) usually cost less.
3. Anaesthesia Fees
- Covers the anaesthetist’s services and medications during surgery.
4. Imaging and Pre-Operative Tests
- MRI scans, X-rays, and medical evaluations are often required before surgery.
5. Post-Operative Care
- Follow-up appointments and physiotherapy sessions, which are crucial for recovery.
Cost Breakdown Example (US Average)
| Category | Estimated Cost (USD) |
| Hospital / Surgical Facility | $7,000 – $12,000 |
| Surgeon’s Fee | $3,000 – $6,000 |
| Anaesthesia | $1,000 – $2,000 |
| MRI & Pre-Op Tests | $1,000 – $1,500 |
| Post-Op Care & Physiotherapy | $2,000 – $3,500 |
| Total Estimated Cost | $15,000 – $25,000 |
Factors That Affect ACL Surgery Cost
1. Type of Graft
- Autograft (your own tissue) is typically cheaper than allograft (donor tissue), which requires processing fees.
2. Surgeon’s Experience
Highly specialised orthopaedic surgeons may charge more but often deliver better outcomes.
3. Hospital or Location
- Urban hospitals or private clinics in major cities tend to be more expensive.
- Smaller or regional hospitals may offer lower rates.
4. Rehabilitation Needs
ACL surgery recovery can take 6–12 months, and physiotherapy is essential—these sessions can add significantly to the total cost.
How to Reduce the Cost of ACL Surgery Without Insurance
- Ask for a self-pay package: Some hospitals offer discounted all-inclusive prices for uninsured patients.
- Compare facilities: Costs vary widely between hospitals, even within the same city.
- Inquire about payment plans: Many providers allow instalments to make the cost more manageable.
- Consider outpatient surgery: Same-day procedures are often more affordable than overnight stays.
UK Private Care Costs
For patients in the United Kingdom paying privately, ACL reconstruction typically costs between £6,000 and £10,000, depending on:
- Hospital location (London clinics are usually higher)
- Whether physiotherapy is included in the package
- The complexity of the repair
Some private providers offer fixed-price packages, covering consultation, surgery, hospital stay, and initial follow-up appointments.
Conclusion
ACL surgery without insurance can cost $15,000–$25,000 in the US or £6,000–£10,000 in the UK. Prices vary based on the surgeon, hospital, and level of aftercare.
Before proceeding, ask for an itemised estimate and explore self-pay or payment plan options. Understanding the breakdown helps you make an informed financial decision and focus on what matters most—your recovery.