These are sticker prices, used for anchoring expectations during negotiations with insurance companies. i.e. if your initial offer to the insurance company was

These are sticker prices, used for anchoring expectations during negotiations with insurance companies. i.e. if your initial offer to the insurance company was $330, you'd get an actual rate of $25; whereas if your initial offer to the insurance company was $25, you'd get $20. The problem is that if you don't have insurance, you are charged these total fantasy prices - which is part of why being uninsured in the US is about so much more than just being on the hook for catastrophic costs.