My last post is an example of what I learned after a half century of American healthcare--we are often overpaying for both medication and services with our copays alone.
I was once badly injured in an accident that was another person's fault, and it required expensive surgery, for which I paid several thousand dollars in copays. I sued, and the attorney told me ahead of time that my insurance would bill me after the suit to recover their costs for the surgery. When it was all over, I didn't pay the insurance company a dime, because they had not actually paid a thing. It was all covered by my copays. All the billing information I received was smoke and mirrors designed to hide that fact.
Not long after that, I had some work done that was not totally necessary. The copay was large, and I hesitated. To cut to the end of the story, I learned that if I had walked into the hospital and told them I did not have any insurance, they would have charged me significantly less than my copay.