Oh, yes they do. Worker's Comp and accident insurers do. They pay bust-out-retail and the providers set their "list price" accordingly. Everyone else gets a discount off of that whether it's from a group plan, or individually insured. Of course, the indigent get their health care for free.
Agreed, though I suspect Doc's been around here a lot longer under a different nom de plume.
Yes. Individual insurance policies are horrible. Their rates are grossly high. That's what the ACA was supposed to be centered around - putting all those individuals into some kind of a "Group" so the insurers could provide coverage at better rates. Of course, the fact that men had to have OBGYN visits covered and seniors paying for birth control, etc., (because... "fair") just helped sink that ship down the toilet of bad ideas.