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State Price Transparency Index 60 Mapped Hospitals 142 Shoppable Procedures +8% vs. U.S. Median (near the U.S. average)

New Jersey Hospital Rates

Compare cash discount rates, commercial insurance prices, and fair price benchmarks across all 60 New Jersey 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.Above Fair Market · Negotiate
1.08×vs. U.S. Fair Price Average
Position vs. 1.00× Fair Price+8% Above 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 60 New Jersey hospitals, typical commercial prices average +8% above the U.S. fair price (1.08×) 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 · New Jersey Market & Best ValueSummarizes statewide hospital price coverage across New Jersey, the average commercial markup over federal Medicare rates, and the #1 best-value hospital in the state.60 Hospitals · 142 Procedures
Hospitals Priced60 in NJTotal hospitals in New Jersey with verified machine-readable price disclosures indexed in the Crystal.
Avg vs. Medicare1.7× MedicareAverage commercial insurance negotiated rate across New Jersey hospitals compared to what federal Medicare pays for the same procedure.
Best Value in NJ0.69× FairLowest confounder-adjusted hospital in New Jersey: Ramapo Ridge Behavioral Health Hospital (Wyckoff) at 0.69× fair market price.

Most affordable New Jersey hospital: Ramapo Ridge Behavioral Health Hospital (Wyckoff) at 0.69× the fair price (31% below benchmark).

Statewide Hospital Pricing Fingerprint60 New Jersey Hospitals Analyzed

New Jersey Statewide Hospital Pricing Summary

Across 60 reporting hospitals and 142 shoppable procedures in New Jersey, typical commercial insurance rates sit at 1.08× the U.S. fair price average (1.7× federal Medicare rates). However, prices vary by 3.1× across the state — from 0.69× fair price at the most affordable hospitals up to 2.12× at high-markup facilities.

State Price Index: 1.08× U.S. Fair AverageAvg Commercial Rate: 1.7× Medicare
Advantage

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

  • Best-value hospital in New Jersey: Ramapo Ridge Behavioral Health Hospital (Wyckoff) prices care at 0.69× the fair price benchmark.
  • Additional low-cost leaders include Carewell Health Medical Center (East Orange, 0.90× fair) and Cooper University Hospital (0.95× fair).
  • Bottom-quartile New Jersey hospitals (Q25) charge 1.02× the fair price or less — comparing quotes before scheduling elective care saves 25%–45%.
  • Nonprofit 501(c)(3) hospitals across New Jersey must provide free or discounted charity care under federal 26 U.S.C. § 501(r) income rules.
Watchout

Where New Jersey Patients Get Burned (High-Markup Traps)

  • Highest-markup New Jersey facilities reach 4.8× Medicare (Palisades Medical Center in North Bergen, Jersey Shore University Medical Center).
  • Prices for the exact same procedure swing 3.1× between the lowest-priced (0.69×) and highest-priced (2.12×) hospitals in New Jersey.
  • Emergency room, lab, and outpatient surgery facility fees carry significantly higher markups than pre-scheduled imaging or freestanding centers.
Most Affordable NJ Hospitals (Bottom 25%)Best Value Tier
0.69× – 1.02× Fair

Led by Ramapo Ridge Behavioral Health Hospital (Wyckoff) at 0.69× fair price.

Typical New Jersey Hospital (State Median)1.7× Medicare
1.09× Fair Price

Middle-of-the-pack commercial rate across all 60 New Jersey hospitals.

Highest-Markup NJ Hospitals (Top 25%)3.1× State Spread
1.26× – 2.12× Fair

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

New Jersey County Price & Affordability Heatmap 20 of 21 Counties with MRF Hospital Data

New Jersey County-Level Hospital Price & Affordability Heatmap

Hospital price index, Medicare markup, and household affordability burden across 21 counties in New Jersey

<0.94× Affordable 0.94–1.06× Near Avg 1.06–1.20× Elevated >1.20× High-Markup

All Hospitals in New Jersey (60)

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 New Jersey (142)

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

Browse New Jersey by Metro Area

Local hospital comparison pages for each New Jersey regional market.

Which Insurers Negotiate Prices in New Jersey

Across the 63 New Jersey hospitals that publish negotiated rates, here is how many hospitals each major insurance carrier has an in-network contract with.

Aetna 56 of 63 hospitals
Cigna 55 of 63 hospitals
UnitedHealthcare 54 of 63 hospitals
Blue Cross Blue Shield 52 of 63 hospitals
Humana 37 of 63 hospitals
Kaiser Permanente 6 of 63 hospitals

Also negotiating in New Jersey: AmeriHealth (53) · WellCare (44) · Clover Health (41) · Fidelis Care (22) · Amerigroup (16) · MagnaCare (14).

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 →