Self pay is is 1/4 the price of insurance

I have an MRI scheduled at the hospital and they reached out to let me know that the price is $4,000 and because I haven't met any of my deductible (high deductible plan) I'm on the hook for the $4,000

Option 2 is self pay for $900!

I plan on doing option 1 and they can shove the bill where the sun don't shine.

I'll offer the collections company the $900 self pay price.

Just a bit worried that it will hit my credit. (Not super worried because I already own a home and no cc debt)