How insurers made billions while using fake ‘ghost rates’ to starve your doctor
The federal healthcare ecosystem was just sent into a tailspin by the 5th U.S. Circuit Court of Appeals. In its landmark August 2026 ruling for Texas Medical Association v. HHS, the full 17-judge panel struck down the federal government’s formula for how health insurers calculate out-of-network payment benchmarks. The court explicitly found that commercial carriers […]




