As it's been stated, the problem is that insurance negotiates a lower rate, in addition to helping pay for it. Example: I needed a sinoplasty/septoplasty. The

As it's been stated, the problem is that insurance negotiates a lower rate, in addition to helping pay for it. Example: I needed a sinoplasty/septoplasty. The procedure was $26k if I was uninsured. My insurance company had negotiated the procedure to $4k. I owed 10% of the procedure cost at $400. This is for a minor outpatient procedure. So, losing insurance means paying 6500% more for healthcare in this case.