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In response to "The man that paid $3,000 for surgery rather than $20,000 because he didn't use his health insurance. -- (link)" by spamlet

This is exactly the opposite of the way it works for the vast majority of people. Insurance companies have generally negotiated deep discounts that

aren't available to people without insurance. To the extent this worked for this guy, it's an anomoly because he has weird insurance.

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