My brother negotiated a cash transaction with his surgeon when he didn’t have a policy and needed surgery on his back.
The price was cash up front and that was much cheaper than if he had insurance.... as I recall. It was a long time ago.
Also-I wonder if there is a release you can sign basically saying you wont sue for malpractice... and you’ll get a MUCH lower price.
“you wont sue for malpractice”
In general, there is no contractual waiving of tort liability permitted by law.
Binding arbitration is permitted I believe.
Law can vary by state - lawyers would know for sure.