Great work. The authors may also be making the assumption that the "charge" on the charge master list or wherever they are getting it represents what someone without insurance will pay.
This is almost certainly false, with the charge representing roughly the highest amount that they might collect from a favorable payor. Typically, those without insurance pay less for services than those with Medicare and often somewhat comparable to Medicaid. Those without insurance and a new cancer diagnosis will often go through an expedited process to get disability based on diagnosis and then establish some sort of coverage based on this status.
They should take a sample of uninsured patients (let MSKCC find some in their system) and find out where these folks are getting care and how much they are paying.
The authors know full well that the lowest charge for Pembro from any center far exceeds affordability for anyone without insurance other than the filthy rich.