[yummyfajitas]

Why do you have a hard time believing that our health care system needlessly bankrupts people?

I'd like to see good evidence that it's a significant problem. You haven't provided any. No one I've asked has provided any, beyond Elizabeth Warren's study and the claim that it's "obvious".

As for "savvy way", it's paying in cash, up front. Prices magically drop when payment is convenient. In my experience, and those of the many uninsured people I know, it's that simple. I'm going to speculate that you don't know very many uninsured people...

(Sadly, there is little data on this. If you have some, I'd love to see it.)