To be fair, hospital pricing is kind of a game where the hospital says, for a completely fictional example, that fixing the valve in my heart costs 327k dollars. And then the insurance says, nah, we'll give you 20k. And the hospital says okay.

So really it cost 20k but the hospital inflated the cost so that, should I turn out to be a deadbeat, then can deduct 327k as a loss or charity or whatever.

Determining the actual cost of saving a life is difficult work.