Or you can go to the exact same facility naively and pay $10,000 or more for the same scan. Most likely you don't care, because your insurance is covering it.

Or you can go to the exact same facility naively and pay $10,000 or more for the same scan. Most likely you don't care, because your insurance is covering it. And your insurance company doesn't care because they'll just raise their rates. And other customers won't care because most they don't actually choose their health insurance; they just get whatever their employer offers. A free market depends on competition and consumer awareness to keep prices under control. Central planning depends on the government allocating resources efficiently. The US health care system has neither, and the results are exactly what you'd expect.