Because it's none of your business which one. It's quite clear that you want to get down in the weeds on this, to find some way to dismiss everything I've said.
Doesn't change the fact that you're not offering any solutions better than what we have. Dragging everyone down to the lowest common denominator is not a viable solution.
So you don't want to answer the question? No other conclusion than you're making it all up then. So be it.
My solution would give cheaper healthcare to those that pay. Why should I and the rest of paying society have to pay for EVERYONE else? Why shouldn't they have some skin in the game, as the common expression goes?
Why won't you answer a question if you want a 'civil' conversation then? Why is it none of my business when I'm asking a general question to a hospital of their billing practices? Why do you get to decide it's my business or not to ask them a question? Afraid that I'll actually 'prove' that everything that you have posted is a bold face lie? If you're not lying, what do you have to lose?
Hell, I'll even man up on this very forum and retract every single thing I've said about you and your friend if the hospital confirms that this is a standard practice.