How about this:

1. I have health insurance

2. The point of insurance is they're supposed to pay for shit

3. You figure out how to get them to pay for shit, sign an agreement that removes me of any patient responsibility of the balance bill, and assure me in writing that I will owe $0 no matter what

Then you can record me.

Insurance, like a lot of subsidies turns into "we will take all of that, and still make sure your share is at the limits of your carrying capacity"