- According to the latest statistics from Kaiser State Health Facts, adjusted expenses per inpatient day in all 50 states and the District of Columbia are listed on the following website.
The average cost of a hospital bed which includes room and board across the United States:
- State/local government hospitals — $2,052
- Nonprofit hospitals — $2,488
- For-profit hospitals — $1,889
Or are you thinking about choosing an indemnity plan which pays 1st dollar benefits at a set amount with a lower deductible ( $2,000-$3,000 depending on plan level) which pays $3,000 (illness)-$4,500 (injury) per inpatient day or $4,500 (illness)-$5,000 (injury) per inpatient ICU day?
These are important considerations when making a decision for covering yourself and/or your family for the "what if" one of us has an illness or an accident that may require a hospital stay. This is one of the main reasons people get health insurance - to minimize unintended risks such as a sudden hospitalization.
There are comprehensive indemnity health plans on the market with very reasonable premiums that you may want to check out. With these plans the deductible is only for inpatient and there is no co-insurance.