When Anthem Blue Cross and Blue Shield put together its narrow network for Obamacare insurance policies, its price of admission was for hospitals to take a knife to their facility fees. Why? Because in health care, that's where the money is. If you've never heard of a facility fee, you're not alone. But if you've ever had surgery, any kind of imaging scan or even just a blood test, then you've paid one. It's the part of the bill that pays for the building where your procedure took place, as well as all the staff employed there. Physicians are typically paid separately for their work in treating or diagnosing you.