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State Price Transparency Index 138 Mapped Hospitals 142 Shoppable Procedures 0% vs. U.S. Median (near the U.S. average)

Illinois Hospital Rates

Compare cash discount rates, commercial insurance prices, and fair price benchmarks across all 138 Illinois hospitals.

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.Near Fair BaseRate Benchmark
1.00×vs. U.S. Fair Price Average
Position vs. 1.00× Fair PriceRight at U.S. Average (0%) 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.

Across 138 Illinois hospitals, typical commercial prices match the U.S. fair price average (1.00×) after accounting for local 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 · Illinois Market & Best ValueSummarizes statewide hospital price coverage across Illinois, the average commercial markup over federal Medicare rates, and the #1 best-value hospital in the state.138 Hospitals · 142 Procedures
Hospitals Priced138 in ILTotal hospitals in Illinois with verified machine-readable price disclosures indexed in the Crystal.
Avg vs. Medicare1.5× MedicareAverage commercial insurance negotiated rate across Illinois hospitals compared to what federal Medicare pays for the same procedure.
Best Value in IL0.51× FairLowest confounder-adjusted hospital in Illinois: St Bernard Hospital (Chicago) at 0.51× fair market price.

Most affordable Illinois hospital: St Bernard Hospital (Chicago) at 0.51× the fair price (49% below benchmark).

Statewide Hospital Pricing Fingerprint138 Illinois Hospitals Analyzed

Illinois Statewide Hospital Pricing Summary

Across 138 reporting hospitals and 142 shoppable procedures in Illinois, typical commercial insurance rates sit at 1.00× the U.S. fair price average (1.5× federal Medicare rates). However, prices vary by 6.3× across the state — from 0.51× fair price at the most affordable hospitals up to 3.23× at high-markup facilities.

State Price Index: 1.00× U.S. Fair AverageAvg Commercial Rate: 1.5× Medicare
Advantage

Best Value in Illinois (Lowest-Priced Hospitals & Patient Edge)

  • Best-value hospital in Illinois: St Bernard Hospital (Chicago) prices care at 0.51× the fair price benchmark.
  • Additional low-cost leaders include Illini Community Hospital (Pittsfield, 0.63× fair) and Thomas H Boyd Memorial Hospital (0.64× fair).
  • Bottom-quartile Illinois hospitals (Q25) charge 0.91× the fair price or less — comparing quotes before scheduling elective care saves 25%–45%.
  • Nonprofit 501(c)(3) hospitals across Illinois must provide free or discounted charity care under federal 26 U.S.C. § 501(r) income rules.
Watchout

Where Illinois Patients Get Burned (High-Markup Traps)

  • Highest-markup Illinois facilities reach 4.2× Medicare (Copley Memorial Hospital in Aurora, Carle Richland Memorial Hospital).
  • Prices for the exact same procedure swing 6.3× between the lowest-priced (0.51×) and highest-priced (3.23×) hospitals in Illinois.
  • Emergency room, lab, and outpatient surgery facility fees carry significantly higher markups than pre-scheduled imaging or freestanding centers.
Most Affordable IL Hospitals (Bottom 25%)Best Value Tier
0.51× – 0.91× Fair

Led by St Bernard Hospital (Chicago) at 0.51× fair price.

Typical Illinois Hospital (State Median)1.5× Medicare
1.03× Fair Price

Middle-of-the-pack commercial rate across all 138 Illinois hospitals.

Highest-Markup IL Hospitals (Top 25%)6.3× State Spread
1.49× – 3.23× Fair

Highest-priced quarter of Illinois hospitals where shopping around saves the most.

Illinois County Price & Affordability Heatmap 63 of 102 Counties with MRF Hospital Data

Illinois County-Level Hospital Price & Affordability Heatmap

Hospital price index, Medicare markup, and household affordability burden across 102 counties in Illinois

<0.94× Affordable 0.94–1.06× Near Avg 1.06–1.20× Elevated >1.20× High-Markup
Cook County35hosps
1.20× Fair
Income $82k
Kane County5hosps
1.50× Fair
Income $101k
DuPage County4hosps
1.31× Fair
Income $111k
Madison County4hosps
1.36× Fair
Income $75k
Lake County4hosps
1.55× Fair
Income $109k
St. Clair County3hosps
1.21× Fair
Income $70k
Vermilion County2hosps
0.85× Fair
Income $55k
Jefferson County2hosps
0.89× Fair
Income $61k
Rock Island County2hosps
0.92× Fair
Income $67k
Winnebago County2hosps
0.94× Fair
Income $64k
Tazewell County2hosps
0.94× Fair
Income $77k
Peoria County2hosps
0.95× Fair
Income $65k
Macon County2hosps
0.95× Fair
Income $62k
McLean County2hosps
0.96× Fair
Income $78k
Kankakee County2hosps
0.97× Fair
Income $68k
Sangamon County2hosps
1.01× Fair
Income $74k
Macoupin County2hosps
1.36× Fair
Income $69k
Perry County2hosps
1.53× Fair
Income $59k
Pike County1hosp
0.63× Fair
Income $58k
Greene County1hosp
0.64× Fair
Income $61k
Hamilton County1hosp
0.66× Fair
Income $62k
Washington County1hosp
0.67× Fair
Income $76k
Piatt County1hosp
0.68× Fair
Income $88k
Clay County1hosp
0.69× Fair
Income $57k
Showing top 24 counties with hospital price filings of 102 total in Illinois

All Hospitals in Illinois (138)

Ranked by how their commercial prices compare to the fair BaseRate — best value first. Select any hospital to inspect its full procedure price list.

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Compare Prices by Procedure in Illinois (142)

High-impact surgeries, scans, and hospital stays are listed first with the typical Illinois price. Search any procedure below.

Browse Illinois by Metro Area

Local hospital comparison pages for each Illinois regional market.

Which Insurers Negotiate Prices in Illinois

Across the 138 Illinois hospitals that publish negotiated rates, here is how many hospitals each major insurance carrier has an in-network contract with.

Aetna 128 of 138 hospitals
UnitedHealthcare 128 of 138 hospitals
Blue Cross Blue Shield 126 of 138 hospitals
Cigna 116 of 138 hospitals
Humana 108 of 138 hospitals

Also negotiating in Illinois: Molina (77) · Meridian (73) · HealthLink (68) · WellCare (56) · Ambetter (Centene) (38) · Health Net (19).

Prices are sourced from each hospital's federally-required public price file, most recently published October 2026. The BaseRate is a modeled fair-price estimate — not a bill or quote. How we build these numbers →