&quot;Discount negotiated by insurers&quot; is the mirage americans live in.<p>$10 pill is marked up to $100, charged to insurer. your health insurance with a premium of $250 per month, negotiates the price and enables you to buy it for $15, giving you a illusionary savings of &quot;$85&quot;.<p>Same pill, is probably available in India, at a market rate of $5-$7.<p>People compare market rate of the pill in India $5 with the pre-negotiation sticker price in US of $100.<p>Q to the Pharmacist Business Manager: Do you think prices of these drugs would remain so high, if health insurance companies didn&#x27;t exist and everyone paid for medicines and services out of pocket?