[watwut]

If you dont have 500 available at the time of health issue you pay more?

But it still sounds scammy pricing tactic to me. That is not how stores or anything else works or should work.

[jhauris]

Or you pay nothing at all (they aren't going to repo your kidney), or end up working out a deal to pay whatever you can later. They offer the discount because on average they figure the discounted price is higher than what they'll get paid later.