You get a 10% discount, but the insurance company gets a 50-90% discount on most stuff. My kids spent 64 days in the NICU after being born three months early, and the bill came to $2.5 million. Insurance paid $600k. Our ER visits tend to bill out at $3-5k, and get covered at about $1k.

If you're happy about a 10% discount for being uninsured, the scam is working.