Except if you ACTUALLY don’t have the card it’s like $50.

Which is still terrible, but they take whatever they can’t. Everything is marked up knowing that insurance will pay for overpriced services as long as people pay may more for insurance thinking that they are getting a deal.

If literally everyone in the US cancelled their health insurance tomorrow, with no exceptions, I guarantee you the hospital’s will be charging normal same prices because it’s all the money that they can get, they aren’t going to just not make any money at all, and insurance companies would go out of business.