Actually the uninsured pay the highest rates. Check your next statement from your insurance provider. It will show the charged rate, negotiated rate, what was payed and what you owe.
If you are uninsured you will pay the charged rate unless you are unemployed or can show inability to pay. Then you can negotiate down to 60%. The insurance company rate, But you still have to pay.
I have a friend who is unemployed and living on SS who had a heart attack. I helped him through this process. He has to pay the 60% or file bankruptcy. He is paying $50.00
pr month (the most he can afford) and of course at that rate he will never pay it off before he dies. And even though he has discussed it with the hospital in detail providing All his financial information, he is harassed by the hospital weekly for more money.
By the way he was an insurance salesman for Anthem. Could not get insurance because of preexisting conditions, his weight.