The FTC article you cite is actually in favor of the type of transparency lamented by the comment you are responding to.
> The staff comment explained the risk that the latter type of transparency might harm competition by enabling competing providers to coordinate or collude on price
Where "latter type" referred to "plan structures and contracted fee schedules between health plans, hospitals, and physician service entities." (The "former type" was "actual or predicted out-of-pocket expenses, co-pays, and quality and performance comparisons of plans or providers" which is what would effect parent's experiences; the FTC "encouraged" that type of legislature.)
I don't necessarily agree with the FTC here, but their comment isn't covering the lack of information that causes consumers have no idea what the bill is until they've already incurred the bill.
