Yall really need to read a bit into this before you start listening to Clark Howard at 100% truth. A hospital bills a patient, the patient pays their deductible and then the hospital gets a payment from the insurance company where most of the time, much of the cost is written off. So if you look at it that way, uninsured patients do get charged more because there is no write off. What you are forgetting is most uninsured patients are TOTAL write offs, to charity or to medicare/medicaid if the financial counseling staff can get them qualified. True "self pays" are the uninsured very wealthy, who can generally afford insurance, but don't. This is what Clark Howard is talking about and he should clarify that.