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It has been good practice for awhile now to claim you have no insurance even if you do: https://selfpaypatient.com/2015/05/12/insured-but-not-lettin...

Once you know the cash price then you could later say you got insurance but not vice versa.



It seems like someone could start an insurance company, where all customers had to claim they had no insurance, but then sent the bill to be reimbursed.


That sounds like it would be about 10x cheaper, but I am sure some regulation is preventing that.


"Medishare" programs work this way.




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