> The insurer doesn't know what each hospital charges. Posting costs online is just to make it more convenient to find the information. Every hospital charges

> The insurer doesn't know what each hospital charges. Posting costs online is just to make it more convenient to find the information. Every hospital charges more than the maximum reimbursable amount for the insurer. If they don't, that's because they've made a mistake - their goal is literally to set a bill that's high enough that it will generate a reimbursement for the maximum amount each time.