Nobody knows what medical care costs.

So I'm doing the bills. Arrgh. I open an envelope from Humana health insurance. Recent doctor's visit, just routine, blood pressure, some stethoscopy, some lab work. According to the insurance company the doctor billed $399 and insurance only paid $135. The insurance company didn't say that I owned a further $264.
Then further down the stack of bills I get to the doctor's bill. It agrees with the insurance company about the $399 billed. but the doctor shows the insurance paying more and I only own $26. Which is all right with me, $26 is a whole lot better than $264.
But somehow after all the insurance claims forms unwind, and the paper pushers are finished mucking around, $238 has just gone away. Bank error your favor. OK by me.
Only thing is, it makes forecasting things like Obamacare costs kinda worthless.