I can not even begin to tell you how dumb this idea is. Are you seriously going to haggle with the emergency staff, as they're about to treat your heart attack? What about when your s.o. finds a lump in their breasts/chest? What are you going to tell your kid, when they get lymphoma? "Sorry sweetie. You deserve the best, but we can only afford to send you to that guy that operates out of a dumpster." And what's the point of scrutinizing your medical bills when the medical insurance companies in your area are monopolies.