The hospital bills a million dollars, the health insurance says, no we'll pay you $125,000. That's it. I don't know enough to understand how this situation came about, but the bill the hospital provides is often 2x to 10x the reasonable cost and the insurance company only pays the reasonable cost. And has sort of negotiated this beforehand with the hospital. This is the situation that truly ends up screwing people without insurance, because their only negotiating power is that they literally do not have enough money to pay.