I think this is the part where i use "could". This is simply not possible today. Doctors dont really know or care how much "you" will be charged vs how much they get paid. If there was more transparency, you could imagine doctors and patients working their way out. People would see the inefficiency, and yake counter measures, both as care giver and care taker.

I have heard multiple stories now whete independent practices now just want cash, without insurance, payments for much cheaper, and they get paid more in the end.