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That article is bullshit. The hospitals and dr's know the insurance companies are going to come along and "negotiate" later so they increase the "cost" to compensate. A uninsured person using my GF as an example was billed at 20% of the inflated cost. Yes it may appear as though the insured is paying less but were the monthly premiums factored in? Also who says you can't negotiate as well? I know someone who about a year or so ago severed 4 fingers and he was uninsured. His cost to have them reattached he said negotiated a settlement was around $18k out of pocket. The inflated bill was originally $80+k.

Try the discount dental card on for size. See how much it costs you for a crown with your insurance and then see how much it costs with cash + "discount dental." Nearly 100% of the time it costs more out of pocket being insured.