As I am waiting at express care waiting to be seen by a doctor I witnessed something that completely blows my mind, even though I shouldn't be shocked. When I arrived here I had to pay a 40 co-pay for my visit. I think that's extremely high,but that's the insurance I have. About 20 minutes later I middle aged woman comes in and when the lady behind the counter asked for her insurance information. She stated she didn't have any. I understand people go though hard times, whether they lost a job and no longer have or can afford health insurance. But her copay was 20.... Now please explain to me how that works? It's cheaper not to have insurance rather than having insurance as we are "supposed" to have. I just don't understand.....