That would be true iff prices were disclosed upfront and the pricing model was clear. I had a hospital experience recently where the surgeon provided one bill, the hospital a second, and the anesthesiologist a third.

Only the surgeon's pricing was available ahead of time. The hospital provided an invoice at the time of surgery, marked as "SUBJECT TO CHANGE". The anesthesiologist himself didn't know how much his services would cost.

Three weeks later, we're still watching invoices and insurance claims roll in.

Medical tourism is a direct testament to inflated charges as a systematic problem. Finding a hospital with non-inflated costs requires crossing international borders.

The best time to shop around for the best deal is after you've been hit by a car and are having trouble breathing.