Insurance companies are a major of not the primary cause of those prices: - they require deep discounts to put you in network, so providers increase their pric

Insurance companies are a major of not the primary cause of those prices: - they require deep discounts to put you in network, so providers increase their prices such that they end up whole after the mandatory discounts, that is why you can very often get your bills slashed to a fraction of the original if you pay crash - obtrusive insurances means offices waste hours working on insurance instead of medical duties and many need to hire dedicated clerks