I recently had a trip to the ER. I have fantastic insurance through my employer. I just got the bill today. The ER visit included the general exam / diagnosis / what-have-you, a lumbar CT scan, and a urinalysis. Just using round numbers for ease of math in the Red Room, the total bill was about $6300. - The "Insurance Adjustment" was about $5000. - The insurance PAID about $1100. - My remaining payment was my ER copay, $75 (that figure is exact). So, the "retail price" that they billed for all this was about $6300 but they are perfectly happy to only be paid about $1200 for the whole thing. This is a problem. This isn't good. It's reasons like this (plus the fact that I am a human being with a heart who can't stand the idea of people suffering without recourse) is why I've become much more open to the idea of universal health care in the United States. Ultimately I think it will probably be cheaper for everyone.