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State Price Transparency Index 92 Mapped Hospitals 142 Shoppable Procedures −14% vs. U.S. Median (below the U.S. average)

Michigan Hospital Rates

Compare cash discount rates, commercial insurance prices, and fair price benchmarks across all 92 Michigan 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.Good Deal · Below Fair Market
0.86×vs. U.S. Fair Price Average
Position vs. 1.00× Fair Price14% 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.

Across 92 Michigan hospitals, typical commercial prices average 14% below the U.S. fair price (0.86×) after accounting for local wages.

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 · Michigan Market & Best ValueSummarizes statewide hospital price coverage across Michigan, the average commercial markup over federal Medicare rates, and the #1 best-value hospital in the state.92 Hospitals · 142 Procedures
Hospitals Priced92 in MITotal hospitals in Michigan with verified machine-readable price disclosures indexed in the Crystal.
Avg vs. Medicare1.1× MedicareAverage commercial insurance negotiated rate across Michigan hospitals compared to what federal Medicare pays for the same procedure.
Best Value in MI0.42× FairLowest confounder-adjusted hospital in Michigan: Helen Newberry Joy Hospital (Newberry) at 0.42× fair market price.

Most affordable Michigan hospital: Helen Newberry Joy Hospital (Newberry) at 0.42× the fair price (58% below benchmark).

Statewide Hospital Pricing Fingerprint92 Michigan Hospitals Analyzed

Michigan Statewide Hospital Pricing Summary

Across 92 reporting hospitals and 142 shoppable procedures in Michigan, typical commercial insurance rates sit at 0.86× the U.S. fair price average (1.1× federal Medicare rates). However, prices vary by 6.0× across the state — from 0.42× fair price at the most affordable hospitals up to 2.54× at high-markup facilities.

State Price Index: 0.86× U.S. Fair AverageAvg Commercial Rate: 1.1× Medicare
Advantage

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

  • Best-value hospital in Michigan: Helen Newberry Joy Hospital (Newberry) prices care at 0.42× the fair price benchmark.
  • Additional low-cost leaders include Mackinac Straits Hospital and Health Center (Saint Ignace, 0.52× fair) and Henry Ford Health Brighton Center for Recovery (0.65× fair).
  • Bottom-quartile Michigan hospitals (Q25) charge 0.80× the fair price or less — comparing quotes before scheduling elective care saves 25%–45%.
  • Nonprofit 501(c)(3) hospitals across Michigan must provide free or discounted charity care under federal 26 U.S.C. § 501(r) income rules.
Watchout

Where Michigan Patients Get Burned (High-Markup Traps)

  • Highest-markup Michigan facilities reach 4.2× Medicare (Insight Hospital and Medical Center Coldwater in Coldwater, OSF St Francis Hospital and Medical Group).
  • Prices for the exact same procedure swing 6.0× between the lowest-priced (0.42×) and highest-priced (2.54×) hospitals in Michigan.
  • Emergency room, lab, and outpatient surgery facility fees carry significantly higher markups than pre-scheduled imaging or freestanding centers.
Most Affordable MI Hospitals (Bottom 25%)Best Value Tier
0.42× – 0.80× Fair

Led by Helen Newberry Joy Hospital (Newberry) at 0.42× fair price.

Typical Michigan Hospital (State Median)1.1× Medicare
0.91× Fair Price

Middle-of-the-pack commercial rate across all 92 Michigan hospitals.

Highest-Markup MI Hospitals (Top 25%)6.0× State Spread
1.04× – 2.54× Fair

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

Michigan County Price & Affordability Heatmap 48 of 83 Counties with MRF Hospital Data

Michigan County-Level Hospital Price & Affordability Heatmap

Hospital price index, Medicare markup, and household affordability burden across 83 counties in Michigan

<0.94× Affordable 0.94–1.06× Near Avg 1.06–1.20× Elevated >1.20× High-Markup
Wayne County12hosps
0.94× Fair
Income $60k
Oakland County11hosps
0.96× Fair
Income $95k
Washtenaw County4hosps
0.98× Fair
Income $87k
Kent County4hosps
1.16× Fair
Income $80k
Genesee County3hosps
0.84× Fair
Income $61k
Macomb County3hosps
0.88× Fair
Income $76k
St. Clair County3hosps
0.91× Fair
Income $69k
Ottawa County3hosps
1.05× Fair
Income $87k
Sanilac County2hosps
0.77× Fair
Income $59k
Calhoun County2hosps
0.83× Fair
Income $60k
Houghton County2hosps
0.85× Fair
Income $57k
Kalamazoo County2hosps
0.89× Fair
Income $71k
Livingston County2hosps
1.05× Fair
Income $101k
Berrien County2hosps
1.19× Fair
Income $63k
Luce County1hosp
0.42× Fair
Income $54k
Mackinac County1hosp
0.52× Fair
Income $59k
Allegan County1hosp
0.67× Fair
Income $80k
Charlevoix County1hosp
0.69× Fair
Income $76k
Eaton County1hosp
0.75× Fair
Income $78k
Saginaw County1hosp
0.77× Fair
Income $58k
Jackson County1hosp
0.78× Fair
Income $65k
Otsego County1hosp
0.78× Fair
Income $67k
Wexford County1hosp
0.79× Fair
Income $63k
Crawford County1hosp
0.79× Fair
Income $59k
Showing top 24 counties with hospital price filings of 83 total in Michigan

All Hospitals in Michigan (92)

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 Michigan (142)

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

Browse Michigan by Metro Area

Local hospital comparison pages for each Michigan regional market.

Which Insurers Negotiate Prices in Michigan

Across the 102 Michigan hospitals that publish negotiated rates, here is how many hospitals each major insurance carrier has an in-network contract with.

Blue Cross Blue Shield 98 of 102 hospitals
Aetna 97 of 102 hospitals
UnitedHealthcare 85 of 102 hospitals
Humana 73 of 102 hospitals
Cigna 39 of 102 hospitals
Kaiser Permanente 10 of 102 hospitals

Also negotiating in Michigan: Priority Health (86) · Molina (57) · Meridian (56) · AmeriHealth (29) · WellCare (24) · Ambetter (Centene) (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 →