Yes, I pay zero dollars. My employer pays for it, in full. Continue using your debit and credit cards, thank you.
And yes, insurance companies negotiate prices HIGHER than the cash rate. Higher. Not lower. The hospital and the insurance company are both looking to turn a profit here, and with one of those parties it's nigh impossible to do without prices being inflated. A cash paying customer will pay many orders of magnitude less than the invoiced amount of every service.
Getting simple medical care at some hospitals can cost more with insurance than without.
www.nytimes.com
The big graphic they use... Colonoscopy, $1463 with Cigna, $2144 with Aetna...... $782 with no insurance at all.
The way to rectify it lies solely in removing the profit motive. No other avenue exists.