Many of these plans if not all might work for the premium payer if medical price transparency and competition were the law nation wide. Recently, I changed dentists. The new dentist said he needed X-rays for my case. Told him to use the ones from the prior dentist. No go. I inquired how much for new X-rays and he, assuming I had insurance, said $200. Told him I had no insurance and the X-ray price dropped to $25 for cash. I don't know if this is standard practice but you get the idea.