1 An umbilical hernia can also be repaired through laparoscopic or open surgery, which can cost an individual without insurance between $4,000 and $11,000.2  The average individual with insurance can expect to pay between $700 and $2,000. 3  Some patients opt to delay surgical treatment of a hernia. An umbilical hernia can also be repaired through laparoscopic or open surgery, which can cost an individual without insurance between $4,000 and $11,000.