"[The hospital price transparency] requirements ... at least in [their] current form, will not drive significant transformation.... Here's why: [1] Current pricing and payment processes lack clarity. [2] Very few fully comply with the HPT and have no incentive to do so. [3] Transparency in some markets may actually drive prices up, not down. [4] About 20% of consumers of health care still account for 80% of the health care spend."