VS
The FAIR Health Consumer alternative

The real negotiated rate — not a claims-based estimate.

FAIR Health gives you a claims-based ESTIMATE — a regional average of what procedures tend to cost, derived from billions of insurance claims. PT.io gives you the ACTUAL rate a specific hospital negotiated with a specific payer, published in that hospital's own federal file. For 'what will this hospital charge my plan,' the real contracted number beats a regional average. The honest trade: FAIR Health's claims database is enormous and its estimates cover out-of-network and professional-fee scenarios our hospital-rate data doesn't model.

4 / 7
head-to-head rounds to PriceTransparency
Free + paid; $299/report
PriceTransparency price
3
rounds we call even or theirs
Self-serve
no sales call, no demo gate

Who FAIR Health Consumer is: A free consumer cost-estimate tool from the nonprofit FAIR Health, built on a database of tens of billions of insurance claims — estimates for ~100 common procedures by ZIP.

Transparent pricing

One published price. No quote-gate.

PriceTransparencyPublished
Free + paid; $299/report
Everything bundled, self-serve, on this page — sign up and start in minutes.
FAIR Health Consumer
Free
A free consumer cost-estimate tool from the nonprofit FAIR Health, built on a database of tens of billions of insurance claims — estimates for ~100 common procedures by ZIP.
Head to head

PriceTransparency wins 4 of 7 rounds

A green check is a round we win outright. We mark them honestly — no manufactured wins.

 
PriceTransparency
FAIR Health Consumer
Price
Free + paid; $299/report
Free
Rate type
Actual hospital×payer negotiated rates (from MRFs)
Claims-based regional estimate
Hospital-specific
Per-hospital, per-payer
Geographic average, not facility-specific
Code coverage
Full published code set per hospital, every payer
~100 common procedures
Compare hospitals
4-hospital side-by-side + CSV export
Estimate lookup, not hospital compare
Claims depth
No claims data
Tens of billions of claim records
Out-of-network / pro-fee modeling
Hospital facility rates only
Models OON + professional fees
An honest take

We're not for everyone

FAIR Health Consumer is the better pick if you need:

  • An enormous claims database (tens of billions of records) powering broad cost estimates.
  • Models out-of-network and professional-fee scenarios that hospital facility rates alone don't capture.

Bottom line: PT.io for the actual negotiated rate at a specific hospital; FAIR Health for a free, broad, claims-based regional estimate including out-of-network scenarios.

Switch from FAIR Health Consumer in minutes.

No demo gate, no quote, no sales cycle. Free + paid; $299/report — see for yourself.

Comparison based on publicly available information and each product's published materials as of 2026; FAIR Health Consumer is a trademark of its owner and is not affiliated with PriceTransparency. Figures for FAIR Health Consumer reflect commonly-reported ranges where pricing is not public.