The Rate Atlas. What American healthcare actually pays, market by market.
One number read two ways. As a consumer cost index, 100 is the national standard and a market above it charges more than the country as a whole. As a research figure, the same number is a multiple of Medicare, so 1.00x means a market pays exactly what Medicare pays. All 51 jurisdictions are on the ladder. Metropolitan detail publishes as each cell clears the floor.
Every county wears its state's rate.
Each dot is a real U.S. county, placed by its centroid and colored by its state's index level. Hover for the reading. Click into a state for its metros and codes.
This edition, Rochester, MN prints the national ceiling at 1.99x Medicare (index 207.5); Texas holds the floor at 0.92x (index 95.3). As of 2026-07-14. Index is a market average, not any one contract; documented reimbursement opportunity, modeled not guaranteed.
All 51, ranked by what commercial pays.
Index level and the same figure as a multiple of Medicare. Every row links to its state page. Sorted richest first.
Commercial rate index, by state
As of 2026-07-14Loading the state register from /api/atlas-cell.
The league table, top and bottom.
The richest fifteen and the leanest fifteen published metropolitan cells. Confidence rises with the verified sample behind each cell.
Metropolitan rate index, league table
As of 2026-07-14| # | Metro | Index | Multiple | Rate points | Confidence |
|---|---|---|---|---|---|
| Loading the metro register from /api/atlas-cell?grain=cbsa. | |||||
How the number is built.
One basket, one denominator, one floor. The same recipe runs on every cell.
The basket and the denominator
Eight office visit codes carry the index: the four new-patient E/M codes 99202-99205 and the four established-patient codes 99212-99215. For each cell we take the median commercial rate against the CMS PFS CY2026 national non-facility allowed amount, then index it so the national print reads 100. That national base is the RCRI print.
The floor and coverage
A cell publishes only above the floor: 11 or more verified rate points and a non-degenerate spread, with at least six of the eight codes present. Below it, the cell shows an honest empty state, never a placeholder and never a zero. Coverage is printed as a trust signal, not hidden: 51 of 51 states and 657 of 891 metro cells today, as of 2026-07-14.
Take the number with you.
Free to read and to cite, with attribution. Journalists, academics, and regulators are the audience.
Cite this atlas
Embed a state badge
<a href="https://reddenda.health/atlas/tx/" style="font:600 13px/1.4 system-ui;color:#0E1B22;background:#7FF0D4;border-radius:8px;padding:8px 12px;text-decoration:none">Rate Atlas index: Texas · Reddenda</a>
The market average is the backdrop. Your NPI is the story.
The atlas prints the market. The Mirror prints you: your RateScore against the local peer median, per payer and per code. No PHI required.