Are you talking about insurance CO-PAYS?
I don't know of any insurance that would not pay for a needed gall bladder removal.
You say $2000 for an INPATIENT removal
How much for the outpatient removal?
Like anything, if you need it, get it and deal with the bills later.
If you think THAT is expensive just investigate what COMPLICATIONS from NOT getting a bad gall bladder removed can cost you.
Amos Chapter 8: verses 11-13:-11 “The time is surely coming,” says the Lord God, “when I will send a famine on the land—not a famine of bread or water, but of hearing the words of the Lord. 12 Men will wander everywhere from sea to sea, seeking the word of the Lord, searching, running here and going there, but will not find it. 13 Beautiful girls and fine young men alike will grow faint and weary, thirsting for the word of God.