Medicare-for-all would end surprise medical billing

The ban makes surprise bills illegal. Instead, health-care providers must negotiate payment with insurers or use arbitration to settle the amount. This relieves the consumer from the burden of payment, but it will increase administrative costs for doctors, hospitals and insurance companies. Because health care operates within the broken free-market framework, these costs will be passed on to the consumer through higher premiums, deductibles and/or co-pays.