<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"><url><loc>https://www.onhealthcare.tech/p/the-underinsured-math-problem-how-c66</loc><news:news><news:publication><news:name>Thoughts on Healthcare Markets &amp; Technology</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-08-14T11:00:36+00:00</news:publication_date><news:title>The Underinsured Math Problem: How $26,993 Family Premiums, $1,886 Deductibles, a $21,200 Legal Cost-Sharing Cap and a 42% Patient Collection Rate Add Up to Insurance That No Longer Insures</news:title></news:news></url><url><loc>https://www.onhealthcare.tech/p/the-underinsured-math-problem-how</loc><news:news><news:publication><news:name>Thoughts on Healthcare Markets &amp; Technology</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-08-14T10:37:06+00:00</news:publication_date><news:title>The Underinsured Math Problem: How $26,993 Family Premiums, $1,886 Deductibles, a $21,200 Legal Cost-Sharing Cap and a 42% Patient Collection Rate Add Up to Insurance That No Longer Insures</news:title></news:news></url><url><loc>https://www.onhealthcare.tech/p/mapping-the-full-markup-on-a-hip</loc><news:news><news:publication><news:name>Thoughts on Healthcare Markets &amp; Technology</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-08-13T11:26:25+00:00</news:publication_date><news:title>Mapping the Full Markup on a Hip Implant From Forged Titanium to Patient Bill, and Whether Costco Style Bulk Buying or Reference Pricing Could Actually Close the US Medical Device Price Gap</news:title></news:news></url><url><loc>https://www.onhealthcare.tech/p/part-ii-mapping-the-full-markup-on</loc><news:news><news:publication><news:name>Thoughts on Healthcare Markets &amp; Technology</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-08-13T11:16:43+00:00</news:publication_date><news:title>Part II: Mapping the Full Markup on a Hip Implant From Forged Titanium to Patient Bill, and Whether Costco Style Bulk Buying or Reference Pricing Could Actually Close the US Medical Device Price Gap</news:title></news:news></url><url><loc>https://www.onhealthcare.tech/p/part-i-mapping-the-full-markup-on</loc><news:news><news:publication><news:name>Thoughts on Healthcare Markets &amp; Technology</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-08-13T11:15:36+00:00</news:publication_date><news:title>Part I: Mapping the Full Markup on a Hip Implant From Forged Titanium to Patient Bill, and Whether Costco Style Bulk Buying or Reference Pricing Could Actually Close the US Medical Device Price Gap</news:title></news:news></url></urlset>