The idea that one can afford medical care if one learns how to negotiate is a fiction. It's possible that one might be able to afford a visit to their doctor's office if they negotiate with him or her, but hospital stays and most medical procedures and treatments are out reach for anyone who isn't fairly well off.

And people who don't have health insurance are forgoing preventative medical care because they can't afford it. They can't afford to treat their high blood pressure and their diabetes, either, because of the cost of the prescriptions and supplies. Pharmacies don't negotiate prices.