Ghost Rates Under the No Surprises Act: How Insurer Calculations Artificially Lower the Qualifying Payment Amount
Andrew M Klapper, Anthony N Dardano, Michael Risin, Taylor Florio, Martha Denavea · 2026
Read Ghost Rates Under the No Surprises Act: How Insurer Calculations Artificially Lower the Qualifying Payment Amount by Andrew M Klapper, Anthony N Dardano, Michael Risin, Taylor Florio, Martha Denavea (2026) in the Tower of Babel, a free online library of public-domain works preserved in clean, searchable text. No sign-up. The full text is served as a plain-text file at a predictable URL, where text is present: https://antarctic-labs.com/tower-of-babel/pmc-13510608.txt.
Description
Andrew Klapper and four co-authors wrote a 2026 editorial on a United States law that shields patients from shock medical bills. The law took patients out of pay fights between out-of-net doctors and insurers, but it gave insurers the pen on a key pay yardstick. That yardstick rests on rates the other side cannot see or check.
The piece asks whether a pay mark set by the payer, from hidden data, can be fair or trusted. It notes a top court held in 2026 that fake low rates, never truly struck in deals, must not count. The authors urge open math in pay rules.
Catalog record
| CREATOR | Andrew M Klapper, Anthony N Dardano, Michael Risin, Taylor Florio, Martha Denavea |
|---|---|
| YEAR | 2026 |
| COLLECTION | PAPERS |
| FORMAT | TXT |
| FILE SIZE | 13 KB |
| VERSION | 1.0 |
| LICENSE | CC BY 4.0 |
| RIGHTS | CC BY |
| SOURCE | Europe PMC |