Commercial Prices are 2-3x Medicare

1.9 to 2.6x commercial rates vs Medicare, two independent measurements

RAND employer claims show commercial prices averaging 2.6x Medicare rates. Our MRF data measures 1.9x. The figure varies by hospital and procedure, but commercial premiums over Medicare are universal.

Method: RAND v5.1 (claims-based) and MRF negotiated rates vs CMS OPPS payment rates.

Verification: Cross-validated statistic

Data: June 2026. Source: each hospital's CMS-mandated machine-readable file (45 CFR 180).