I hear what you’re saying. I can’t fault a business for trying to increase their profit margins and make as much money as possible. However, the American healthcare system does not function within a just market! Instead, the insurance cartel sets prices.
Every get on a plane and ask folks what they paid. Over 2 to 3 times range. Cruise ships are the same. No two people pay the same, its who they know and the tricks employed in booking.