Simple Sink so I will try to explain it too you in language even you should be able to understand.
-You go to the doctor because your stomach hurts. You pay whatever the co-pay is for the doctor visit, or most likely pay for all of it in cash because the doctor doesn't take insurance anymore.
-You have to get an ultrasound, which you have to pay 75%, 90%, 100% of out of pocket because your insurance doesn't cover any of it or your overall deductible is $10,000.
-You find out you have gallstones and have to have the gallbladder removed. The cost is going to be $12,000. Before you can have the surgery, you pay the surgeon, hospital, anesthesiologist, etc. and are now out $10,000 or more before ever having the surgery.
Of course, you don't care how many people will be hurt and screwed by this since it just means more money for you.