Re:US Cities Are Paying Too Much for New Transit Buses
by jmyeet on Saturday September 27, 2025 @12:33AM
(#45393226)
No, it’s the opposite actually. There are a couple of reasons why:
1. You have a deductible. Insurance is incentivized to make things more expensive so you don’t use it. With a $10,000 deductible, are you going to pay $500 for a service outside insurance or $2,000 with insurance?
2. Hospitals really have no idea what anything costs. Nobody does. There is a maze if agreements between providers, contractors, hospitals and insurance companies. If you have insurance, hospitals are more likely to throw out a higher random number;
3. There is more process and paperwork for the hospital with insurance; and
4. You are more likely to be able to negotiate down a bill without insurance.
1. You have a deductible. Insurance is incentivized to make things more expensive so you don’t use it. With a $10,000 deductible, are you going to pay $500 for a service outside insurance or $2,000 with insurance?
2. Hospitals really have no idea what anything costs. Nobody does. There is a maze if agreements between providers, contractors, hospitals and insurance companies. If you have insurance, hospitals are more likely to throw out a higher random number;
3. There is more process and paperwork for the hospital with insurance; and
4. You are more likely to be able to negotiate down a bill without insurance.