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> "Most people are unaware that if they don't use insurance, they can negotiate upfront cash prices with hospitals and providers substantially below the "list" price."

Substantially below list, but still well above what insurance providers pay.

Even when you can self-insure in the US, if you actually find yourself needing medical care, it would have been cheaper not to.

Except on the short-term scales and/or when you're young and may well not need to see a doctor for several years at a go.



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