Don, the uninsured usually wind up paying more, in my experience, than folks do who have insurance. That is, the insurance companies negotiate lower rates with the service providers and wind up not paying full-price. A self-pay, as I was for several years, is expected to pay full price because they have no one allowed to bargain for them.

There is more about it HERE.


More about hospital charges HERE, if you scroll down. Also, from there, obvious the uninsured are not spending much time in hospital:

Together, Medicare and Medicaid are billed for more than half (58 percent) of all hospitalizations. Private insurers are billed for 35 percent while uninsured hospitalizations account for about 5 percent of hospital stays. The remaining 3 percent of hospitalizations are billed to other insurers or the expected payer cannot be determined.