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If the insurance company was actually reselling the service then the insurance company would be the only person who gets my money. Instead the insurance company negotiates the price, pays a portion and tells me how much I need to pay DIRECTLY to the HOSPITAL.
Anyways, you are missing the point. The point is that two people can have identical visits to the hospital and the hospital recieved vastly different amounts from both people. Not having insurance should not mean that an x-ray costs twice as much. Uninsured people are getting fucked over.
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