A data firm called MultiPlan works with big insurers to decide how much so-called out-of-network medical providers should be paid. It promises to help contain medical costs using fair and independent analysis. But MultiPlan and the insurance companies have a large and mostly hidden financial incentive to cut those reimbursements as much as possible, even if it means saddling patients with large bills, a New York Times investigation found. Our reporter breaks down how it works. Tap the link in our bio to read more. Video by Chris Hamby, Claire Hogan and James Surdam/The New York Times. #medicalcosts