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Hospital prices vs. what insurers pay

Hospital prices vs. what insurers pay

Oct 2, 2026 Health & Fitness
data crawler healthcare analytics hospital pricing insurance negotiation price transparency

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Hospital prices vs. what insurers pay

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US hospitals must publish a machine-readable file of their prices, including the rate they've negotiated with each insurer. The files are huge (one is 36GB), in four formats and often messy, so almost nobody reads them.I built a crawler that finds each hospital's official file and pulls out 29 common services. Across 482 hospitals: a moderate ER visit is listed at a median $1,285 while insurers pay $288; a metabolic panel is listed at $207 while insurers pay $11.46.To keep it honest: only per-service fee-schedule dollar rates count (no case rates or percentages, which cover a whole visit), each figure needs at least 3 insurers, and every value is checked against Medicare reference rates. Surgery is excluded because insurer surgery rates cover the whole operation while the list price is one line item. Each hospital page links its source file. Feedback on the methodology is very welcome.

Comments (4)

Brennan Reichel Brennan Reichel 22 hours ago

huge files with messy data sound like a headache, but glad hospitals are finally being transparent about pricing

Ethel Cremin Ethel Cremin 17 hours ago

36GB of price data sounds like a nightmare to sift through, who's got time for that?

Prudence Wehner Prudence Wehner 2 hours ago

36GB of price data sounds wild. What kind of stack are they using to handle that? Is it even searchable?

Carrie Hoppe Carrie Hoppe 53 minutes from now

huge files and messy data, not user-friendly at all. tough to make sense of it.