It's all a racket.

A number of years ago I had an extended stay in a local hospital. Just the hospital bill, no docs/surgeons/specialists/etc, was 7 figures...

After it was all negotiated, fought, etc they were happy with low 6 figures for nearly a month and a half care/medical/etc.

Get the insurance companies, lawyers and frivolous lawsuits, etc out of the way and healthcare doesn't have to be so unbelievably expensive.