This is part of what is broken in today's health care. The patient pays hefty premiums but basically is paying the amount the service costs (or at least a big part of it) by paying the deductible. Basically, the insurance company and the medical provider walk away with a windfall. No different from the monthly "insurance" premiums that organized crime used to or still charge for "protection" but without a couple of bent-nosed guys threatening to bust you or your business up if you don't pay. No need for those guys anymore. Your fear of catastrophic illness has replaced them.
I guess price gouging doesn't apply to hospitals, insurance companies etc. If you have enough money it's ok to do. It's just like some courts, if you have enough money your not guilty. Ask OJ.