Health insurance is somewhat the same too... Hospitals and Dentists have special rates for insured patients (much higher)... you can end up paying the same as an uninsured patient...  Which is why I was getting hospitalization-only insurance, but with Obama-care, I can&#x27;t do that anymore.<p>Also, I have been told that it might be illegal to claim that you are uninsured, pay the bill and then get reimbursed by your insurance company to avoid surcharges... not sure if that is true.