MedRates Hospital Price Transparency

Query real US hospital prices — negotiated insurance rates, cash discounts, and gross charges — from CMS-mandated machine-readable files.

Base URL: https://data.medrates.fyi

All endpoints return JSON. No API key is required for basic use (see Authentication for higher rate limits).

Quick Start

The fastest way to answer "how much does X cost?" is the NLP search:

curl -X POST https://data.medrates.fyi/api/search/nlp/grouped \
  -H "Content-Type: application/json" \
  -d '{"query": "brain MRI near San Jose with Blue Cross PPO"}'

For exact code lookups with multi-hospital price comparison:

curl "https://data.medrates.fyi/api/price-quote?codes=70551,70552&lat=37.33&lng=-121.89&payer=Blue+Cross&plan_type=PPO"

Coverage Limitation

This data covers US hospitals only — prices published by licensed US hospitals under the Hospital Price Transparency Rule. It does not include prices from:

• Non-US healthcare providers (any country outside the United States)
• Independent/freestanding imaging centers (MRI, CT, X-ray)
• Ambulatory surgery centers (ASCs)
• Urgent care clinics
• Physician offices and medical groups
• Independent laboratories
• Other non-hospital providers

For outpatient procedures (MRIs, CTs, colonoscopies, minor surgeries), independent freestanding facilities often charge significantly less than hospital outpatient departments. When presenting hospital prices to users, note that non-hospital alternatives may exist at lower cost.

Endpoints

1. Natural Language Search (Grouped) — POST /api/search/nlp/grouped

Best for: Answering questions in plain English. Resolves procedure names to codes, geocodes cities, and groups results by billing code.

Request body (JSON):

Response: Groups of results by billing code, each with a list of hospitals sorted by price. Includes extracted (what the NLP parsed), resolved (codes found), and groups[] with hospital pricing.

Pro tip: If you already know the CPT codes, pass them in codes to skip the LLM extraction step — it's faster and uses less rate limit budget.

2. Price Quote — GET /api/price-quote

Best for: Precise multi-code cost estimates at nearby hospitals. Returns per-hospital totals.

Response: Hospitals sorted by total_estimate (cheapest first). Each hospital has items[] with per-code prices, total_estimate, distance_miles, and in_network status. Negotiated/estimated-rate items include plan_category (Commercial, Medicare, Medicaid, Other) when a payer is specified; cash/standard-charge-only items will not have this field.

3. Text Search — GET /api/search

Best for: Direct code lookups or keyword searches when you already know the CPT/HCPCS code.

Response: Flat list of charge items with gross_charge, discounted_cash_price, min_negotiated_rate, max_negotiated_rate, hospital info, and optional payer_rate when filtered by payer.

4. Hospitals — GET /api/hospitals

Returns all hospitals with campus locations and coordinates. Use hospital IDs to filter other endpoints.

5. Payers — GET /api/payers

Returns all insurance payer + plan combinations. Optional ?hospital_id=N to filter by hospital.

6. Stats — GET /api/stats/public

Returns database summary: hospital count, procedure count, plan count, covered states.

Deep Links

When presenting results to users, link to the web UI for visual exploration:

• Procedure page: https://data.medrates.fyi/code/{CODE_TYPE}/{CODE} (e.g. /code/CPT/70551)
• Hospital search: https://data.medrates.fyi/search?q={QUERY}
• All hospitals: https://data.medrates.fyi/hospitals

Workflow Recommendations

1. User asks a vague question (e.g. "how much is an MRI?"):

Use POST /api/search/nlp/grouped with their query. Include lat/lng if you know their location.

1. User has specific codes (e.g. "price for CPT 27447"):

Use GET /api/price-quote with codes=27447 and their coordinates.

1. User wants to compare insurance plans:

First call GET /api/payers to find available plans, then use price_quote or search/nlp/grouped with the payer/plan filters.

1. User asks about a specific hospital:

Call GET /api/hospitals to find the hospital ID, then use GET /api/search with hospital_id.

Authentication

All endpoints work without authentication. Anonymous rate limits are sufficient for casual use.

Rate Limits (Anonymous)

Authenticated Access (Higher Limits)

If you hit rate limits, your human should request an API access token by emailing hello@medrates.fyi or visiting medrates.fyi/api-access.

Once you have a JWT token, include it in requests:

Authorization: Bearer <token>

Authenticated users get significantly higher rate limits (e.g. 200/min standard, 60/min expensive) based on their plan. The token's rate_limit claim determines the multiplier applied to each tier.

Rate Limit Headers

All responses include standard rate limit headers:

• X-RateLimit-Limit — requests allowed in the window
• X-RateLimit-Remaining — requests left
• X-RateLimit-Reset — seconds until the window resets
• Retry-After — seconds to wait (only on 429 responses)

When you receive a 429 Too Many Requests response, wait for the Retry-After period. If you're consistently rate-limited, ask your human to request API access.

Response Notes

• All prices are in USD
• gross_charge is the hospital's list price (chargemaster)
• discounted_cash_price is what uninsured patients pay
• min_negotiated_rate / max_negotiated_rate are the range across all insurers
• When filtering by payer, payer_rate is the specific negotiated rate
• Price data comes from CMS-mandated hospital price transparency files, updated as hospitals publish new MRFs
• CPT codes are copyright American Medical Association — display the disclaimer when showing CPT data to users