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County Price & Affordability Audit 2 of 3 Hospitals Priced Pop. 81,840 $82,430 Median Income

Monroe County, FL Hospital Rates

Compare hospital price transparency compliance, fair price benchmarks, and local household charity-care eligibility across all 3 mapped hospitals in Monroe County.

Pillar 1 · The BaseRate™ CompositeHow 1.00× Fair BaseRate Works: Raw price averages unfairly penalize hospitals in high-wage cities or trauma centers treating sicker patients. We adjust for local CMS hospital wage levels and patient complexity first. A 1.00× score means right at the fair price average, 0.85× means 15% cheaper than fair market, and 1.30× means 30% above fair market.Good Deal · Below Fair Market
0.74×vs. Fair Market Price
Position vs. 1.00× Fair Price26% Below Fair Price 1.00× (center of the bar) is the U.S. fair price average after accounting for local hospital wages and patient complexity. Left of center (<1.00×) is below fair price; right of center (>1.00×) is above fair price.

Typical commercial prices here are 26% below the fair benchmark (0.74×) after accounting for local nurse/doctor wages and patient complexity.

Pillar 2 · VeriRate™ Data TrustHow VeriRate™ (0–100) Works: Hospitals are legally required to publish machine-readable price files, but some bury fake $0.01 numbers or omit cash discounts. VeriRate audits each file across 5 checks (hover any badge below to see what it tests).86/100 · Verified
86/100Hover Any Check Below to See How Prices Were Audited
File Completeness90Provenance (File Completeness): Checks whether the hospital published a complete, up-to-date machine-readable price file with valid CPT and MS-DRG billing codes instead of leaving blanks.
Price Logic88Coherence (Price Logic): Checks whether the hospital’s numbers make basic sense — e.g., self-pay cash price is lower than gross list price, with no fake $0.01 or $999,999 placeholder numbers.
Peer Alignment86Concordance (Peer Alignment): Checks whether reported prices sit in a realistic range compared to Medicare and nearby hospitals rather than wild 100× unit errors.
Clean Billing83Regularity (Clean Billing): Checks whether rates are structured consistently across procedures without erratic statistical spikes or hidden unbundled facility fees.
Real Cash Discount84Cash Honesty (Real Cash Discount): Checks whether the hospital offers a genuine self-pay cash discount that beats or matches commercial insurance rates instead of billing full sticker price.
Pillar 3 · Monroe County Affordability & CoverageSummarizes local hospital price disclosure compliance in Monroe County, U.S. Census median household income, local uninsured rate, and federal 200%–400% FPL charity-care income thresholds.2 of 3 Hospitals Priced
Hospitals Priced2 of 3Number of CMS-certified hospitals located inside Monroe County that have published machine-readable price files out of all 3 local facilities.
Median Income$82.4k / yrU.S. Census ACS median annual household income in Monroe County ($82,430/yr), used to measure medical bill burden and charity-care eligibility.
Uninsured Rate14.9%Percentage of Monroe County residents without health insurance who rely on self-pay cash discounts and 501(r) nonprofit hospital financial assistance.

Local charity-care income cutoffs (200%–400% FPL): up to $31,920 (single) and $128,600 (family of 4) qualify for free or discounted hospital care.

County Hospital Pricing & Affordability Audit2 of 3 Local Hospitals Priced

Monroe County, FL Hospital Price & Affordability Summary

Monroe County, Florida (pop. 81,840) has 3 CMS-certified hospitals (2 publishing verified machine-readable price files) with a local price index of 0.74× the U.S. fair price benchmark and a $82,430 median household income.

County Price Index: 0.74× Fair MarketMedian Income: $82,430/yr
Advantage

Best Value & Patient Protections in Monroe County

  • 2 of 3 hospitals in Monroe County publish verified 45 CFR § 180 price files (Lower Keys Medical Center, Fishermen's Community Hospital).
  • High-rated local clinical care: Mariners Hospital (5/5 CMS Stars) and Lower Keys Medical Center (4/5 CMS Stars).
  • Under federal 26 U.S.C. § 501(r), nonprofit hospitals must provide discounted Financial Assistance Policy (FAP) rates for Monroe County families earning up to $128,600/yr (400% FPL).
Watchout

Where Monroe County Patients Get Burned (Billing Watchouts)

  • 1 facility in Monroe County (Mariners Hospital) lacks an indexed MRF price schedule — always demand a written Good Faith Estimate before scheduling.
  • With a 14.9% local uninsured rate and $82,430 median household income, an unnegotiated $5,000 hospital bill equals 3.2 weeks of typical Monroe County family take-home pay.
  • Emergency department and inpatient ancillary charges vary significantly across Florida counties — inspect each hospital's profile below before paying a full chargemaster bill.
County MRF Price Coverage67% Published
2 of 3 Hospitals

Includes Lower Keys Medical Center & Fishermen's Community Hospital.

Free Care Income Cutoff (200% FPL)Nonprofit 501(r) Rule
$31,920 – $64,300

Single ($31,920) to Family of 4 ($64,300) threshold for 100% free charity care.

Discounted Care Cutoff (400% FPL)AGB Billing Cap
Up to $128,600/yr

4-person household income cap qualifying for statutory AGB billing limits in Monroe County.

Florida County Price & Affordability Heatmap 49 of 67 Counties with MRF Hospital Data

Florida County-Level Hospital Price & Affordability Heatmap

Hospital price index, Medicare markup, and household affordability burden across 67 counties in Florida

<0.94× Affordable 0.94–1.06× Near Avg 1.06–1.20× Elevated >1.20× High-Markup
Broward County17hosps
1.23× Fair
Income $75k
Miami-Dade County14hosps
1.07× Fair
Income $69k
Hillsborough County9hosps
1.14× Fair
Income $75k
Pinellas County9hosps
1.18× Fair
Income $70k
Pasco County7hosps
1.14× Fair
Income $67k
Palm Beach County7hosps
1.28× Fair
Income $81k
Duval County6hosps
1.04× Fair
Income $68k
Volusia County6hosps
1.07× Fair
Income $67k
Brevard County6hosps
2.11× Fair
Income $76k
Polk County5hosps
1.05× Fair
Income $64k
Orange County5hosps
1.33× Fair
Income $77k
Manatee County4hosps
1.13× Fair
Income $76k
Sarasota County4hosps
1.16× Fair
Income $81k
Santa Rosa County3hosps
1.00× Fair
Income $89k
Escambia County3hosps
1.11× Fair
Income $66k
Okaloosa County3hosps
1.32× Fair
Income $79k
Monroe County2hosps
0.74× Fair
Income $82k
Lake County2hosps
1.08× Fair
Income $70k
Flagler County2hosps
1.14× Fair
Income $73k
Clay County2hosps
1.17× Fair
Income $86k
Hernando County2hosps
1.21× Fair
Income $63k
Charlotte County2hosps
1.26× Fair
Income $66k
Bay County2hosps
1.31× Fair
Income $70k
Alachua County2hosps
1.33× Fair
Income $60k
Showing top 24 counties with hospital price filings of 67 total in Florida

All Hospitals in Monroe County (3)

Select any published hospital below to inspect its procedure price list, insurer discounts, and official MRF verification links.

MRF Compliance: 2 of 3 Published

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