@deewayne2003 a similar tactic to your option B related to Rx.
Go into CVS or Walgreens and say "I don't have insurance, how much is X drug?". They have to tell you. Next, check if there is a coupon on GoodRx. Next, ask the pharmacist "how much is it with my XYZ health insurance?".
This is how the insurance companies F'd us. The pharmacist is PROHIBITED from telling you if your pills are cheaper without insurance than with insurance. They get fired if they break that rule. Often times, the drug is actually cheaper without insurance, and about 50% of the time its cheaper w/o insurance plus a GoodRx digital coupon.
When we were having kids we found the same thing to be true for delivery. My insurance out of pocket was going to be $8000. I called the hospital and said I have no insurance, they had a pre-pay option that came to $3200.