You're not (in general) getting a good deal even with the discount. The insurance company is a big buyer's club and just about the only thing good they do is negotiate a competitive price for services from the hospital. Sometimes it makes sense to get insurance with a high deductable just to take advantage of this bargaining position.
Since so few people pay out-of-pocket, and since hospitals often try so hard to hide what they plan to charge you for, there really isn't much of a single-patient market economy. Your nice small family doctor might be different, but in general expect to pay a lot more with your own cash.