I've had bills that were 12x the final "negotiated" price for lab tests. The insurance company tried to weasel away, saying that the tests weren't for an accident or an illness, therefore not covered. Never mind that I'm a cancer survivor and we were testing for things that go wrong for former chemo patients.
Anyway, once the doc's back office went to bat for me with the insurance company the price literally came down from $1,200 to $87.
That's when I started calling my health insurance a protection racket ... I pay premiums to have them "negotiate" the bills for me and that's only if we strong arm them into doing it.
People have options already with haggling: Forcing businesses to act not like businesses will ruin them.