Don't belittle the point by calling it "privilege". I'm in the same situation as most Americans with employer-provided health insurance. The real cost decision, as I pointed out in another comment, is whether or not to get care at all, rather than to choose between Doctor A, or Doctor B who costs 5% less.
This is exacerbated by the fact that our insurance hides most of the cost variation from us anyway, and health care networks turn potentially cheaper care into probably much more expensive care. Writing this all off as "privilege" is a gross, lazy oversimplification.