Healthcare without the insurance maze
Researched, sourced prices for care without insurance, plus the negotiation playbooks nobody explains. Built for the self-employed, the uninsured, and anyone staring at a bill that makes no sense.
Every price sourced The Price Index
A sample from our ledger of sourced cash prices. Each line links to the full guide: what drives the price, how insurance compares, and how to pay less.
See the full index →Cash price ledger
USD · typical range
Ranges from the sources cited in each guide · Updated Aug 2026
642 guides →
Pay Less Playbooks that shrink the bill Negotiation scripts you can read off your phone, charity care applications, discount card comparisons, and the price transparency tools hospitals hope you never open. 
21 guides →
Insurance Alternatives Coverage outside the marketplace Direct primary care, health sharing ministries, catastrophic plans, short-term coverage, and COBRA, with real monthly prices and an honest account of what each one does not cover. 
6 guides →
Self-Pay Basics Start here if you are uninsured The decision tree: check Medicaid and subsidies first, know your state rules, then work the cash-pay toolkit with confidence instead of fear. 
201 guides →
Prescriptions
№ 01Zepbound costs $299-$449 a month self-pay through LillyDirect, and Wegovy runs $349 through NovoCare. See every GLP-1 cash price, dose by dose.
Upd. Sep 2, 2026
Pay Less
№ 02Most people who challenge a medical bill win: 74% of reported errors get fixed. Use these scripts to get an itemized bill, audit it, and pay less.
Upd. Aug 28, 2026
Insurance Alternatives
№ 03Unsubsidized marketplace coverage averages $625/month in 2026 while a healthy adult may spend under $1,000 cash. Here is the honest math, and the risk.
Upd. Aug 28, 2026
Dental
№ 04Wisdom teeth removal costs $200-$700 per simple tooth and up to $1,100 impacted without insurance. See real all-four totals and 6 ways to pay less.
Upd. Aug 28, 2026
Pay Less
№ 05About 58% of U.S. hospitals are nonprofits required to offer charity care. Households under 200-300% of the poverty line often pay $0. Here's how to apply.
Upd. Aug 28, 2026
Imaging & Labs
№ 06An MRI costs $400-$12,000 without insurance, averaging $1,325. Freestanding imaging centers charge $265-$750 cash. See prices by body part and how to book one.
Upd. Aug 28, 2026
How this site works
Government data, price transparency files, and published cash prices. No made-up averages. Sources sit at the bottom of every guide.
Low, typical, and high ranges, what drives them, and exactly how to pay less, including scripts you can read off your phone.
Millions of Americans pay cash for care. We help you do it smartly, and we are honest about when insurance or assistance is the better move.
Self-Pay Basics
Aetna dental plans start at $17 a month in 2026, with annual maximums of $1,000 to $2,000. See all four Aetna dental products and the waiting-period catch.
Upd. Sep 7, 2026
Self-Pay Basics
Ameritas dental plans pay a $750 to $2,000 maximum in year one, rising to $1,500 to $3,500 after. Compare all three PrimeStar Care tiers and the real cost.
Upd. Sep 7, 2026
Self-Pay Basics
Cigna dental plans average $19 to $60.44 a month in 2026, with maximums from none to $3,000. See every plan, its network, and the waiting-period catch.
Upd. Sep 7, 2026
Self-Pay Basics
Guardian dental plans start at $17 a month in 2026, with yearly maximums of $1,000 to $3,000 and a 12-month wait on major work. See the full published grid.
Upd. Sep 7, 2026
Self-Pay Basics
Humana dental plans start at $18 a month in 2026, but one of them is not insurance at all. See every plan's maximum, waiting period, and real copays.
Upd. Sep 7, 2026
Self-Pay Basics
Physicians Mutual dental pays a fixed dollar amount per procedure, up to $435 for a crown, not a percentage. See the 2026 benefit schedule and the catch.
Upd. Sep 7, 2026