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Product DemoTour the full workspace with sample data.How It WorksSee how a market question becomes evidence.AI Copilot PreviewTry a guided payer-rate analysis workflow.

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See how teams put payer-rate intelligence to work.

Who it's forSee who buys OmniRate and when it is the right fit.Payer Rate BenchmarkingCompare reimbursement across payers and markets.Provider ResearchResearch organizations, clinicians, and networks.Investment DiligencePressure-test reimbursement and market assumptions.

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Processing coverage for the major carrier groups.

UnitedHealthcareFiles, sizes, and rate records loaded from UHC.BCBS MembersOne aggregate across every Blue licensee index.AetnaFiles, sizes, and rate records loaded from Aetna.CignaFiles, sizes, and rate records loaded from Cigna.
Pricing

Resources

Learn about the data, its sources, and its uses.

BlogGuides and analysis for healthcare pricing.MRF Source DirectoryFind payer machine-readable file sources.About Price TransparencyUnderstand the public payer-rate landscape.About Machine Readable FilesLearn what MRFs contain and how they work.
Account
OmniRate
Product DemoTour the full workspace with sample data.How It WorksSee how a market question becomes evidence.AI Copilot PreviewTry a guided payer-rate analysis workflow.
Who it's forSee who buys OmniRate and when it is the right fit.Payer Rate BenchmarkingCompare reimbursement across payers and markets.Provider ResearchResearch organizations, clinicians, and networks.Investment DiligencePressure-test reimbursement and market assumptions.
UnitedHealthcareFiles, sizes, and rate records loaded from UHC.BCBS MembersOne aggregate across every Blue licensee index.AetnaFiles, sizes, and rate records loaded from Aetna.CignaFiles, sizes, and rate records loaded from Cigna.
Pricing
BlogGuides and analysis for healthcare pricing.MRF Source DirectoryFind payer machine-readable file sources.About Price TransparencyUnderstand the public payer-rate landscape.About Machine Readable FilesLearn what MRFs contain and how they work.
Account

Resource

About Price Transparency

Healthcare price transparency created a new public record of what hospitals and payers disclose about pricing. The rules opened up a powerful dataset, but they did not make the raw files easy to use. This page explains what the rules cover, what kind of data gets published, and why teams still need tooling to turn disclosures into market intelligence.

Two rule sets created most of the data teams work with

Price transparency is not one single dataset. In practice, healthcare teams usually end up working across hospital disclosures and payer disclosures, each with different formats and use cases.

Hospital Price Transparency

Hospitals are required to publish standard charges online, including a machine-readable file for all items and services plus a consumer-friendly display for shoppable services.

Transparency in Coverage

Most group health plans and issuers of group or individual health insurance are required to publish machine-readable files for in-network rates and out-of-network allowed amounts, creating a second public view into reimbursement.

Why healthcare teams care about this data

Transparency matters because reimbursement, network strategy, and market research are easier when the underlying prices are no longer fully hidden.

Benchmark reimbursement

See whether a contract is ordinary for the market or materially lagging comparable negotiated rates.

Research providers and networks

Use disclosed payer data to understand provider participation, market concentration, and local network shape.

Prepare for negotiations

Walk into payer conversations with percentile context, code-level comparisons, and a stronger story than anecdotes.

Why the raw files still create friction

The rules made data public, but public data is not the same as usable analysis. Most teams still need tooling before the files can answer practical questions about codes, payers, providers, or market position.

Machine-readable files are large, fragmented, and difficult to inspect manually.

Rate rows often need schema knowledge before they become usable comparisons.

Payer disclosures and hospital disclosures answer different questions and are easy to mix up.

Teams still need market filters, provider context, and analysis layers before the data is actionable.

Where OmniRate fits

OmniRate is built for the gap between public disclosure and usable decision support.

Search and filter negotiated payer rates without wrangling raw files.

Benchmark reimbursement by code, payer, market, and percentile band.

Research providers and linked entities behind disclosed rates.

Export evidence-backed views for contracting and market work.

See the benchmarking use case

Key dates in the current transparency rollout

The milestones below are the most important context for how the public datasets evolved.

January 1, 2021

Hospital rule takes effect

Hospitals must begin posting pricing information online, including a machine-readable file of standard charges.

July 1, 2022

TiC machine-readable files begin

Health plans and issuers start publishing public files that include in-network negotiated rates and out-of-network allowed amounts.

January 1, 2023 to January 1, 2024

Consumer price tools phase in

The TiC price comparison requirement rolls out from 500 shoppable items and services to all items and services.

Frequently asked questions

Official references

For the regulatory source material, start with CMS.

Hospital Price Transparency overviewTransparency in Coverage overviewTransparency in Coverage FAQs

Ready to use the data instead of cleaning it?

OmniRate turns raw payer transparency disclosures into searchable rate intelligence for benchmarking, provider research, and payer negotiation prep.

OmniRate

Payer-published rate intelligence for reimbursement, market analysis, provider research, and diligence.

Omni is independent and not affiliated with, endorsed by, or sponsored by any payer. All trademarks are the property of their respective owners.

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