That's because even if hospital A may charge more than hospital B for a particular service, your insurance company may have negotiated a lower rate with the apparently more expensive hospital.

NPR: 3 min 45 sec

The company says it negotiated its own deal with Visa that is lower than the rate it was paying before the new law.

WSJ: Debit-Card Fee Cap Has Nasty Side Effect

Apple has long based its operations for Europe, the Middle East, India, Africa, Asia and the Pacific in Cork, Ireland, where it had negotiated a special corporate tax rate of 2% or less in recent years, the company told investigators.

WSJ: Apple Pays No Tax on Much of Its Overseas Income, Senate Panel Finds