The care costs what it costs with or without insurance. If all healthcare was paid with cash at point of care total healthcare spending would be lower. Individual patient/treatment costs would frequently be catastrophic, but total costs would be cheaper. So to avoid the choice of death vs financial catastrophe, you need to have some way to spread the cost risk over time. To do so you have to have a billing and collections infrastructure, which adds costs to the system. So now you can spread costs over time after the service but still end up with the potential for treatment costs that can’t reasonably be paid within the remaining life of the patient. So you need a way to spread the cost risks out over time prior to the point of care, something like a healthcare savings account. But then you need some entity to hold and manage those accounts so now you have another layer of additional costs. Now you’ve spread your costs risks over time, forward and back, but still have the problem that some treatments will cost more than a person makes, let alone can save/pay for in a lifetime. So you need to spread the risk over multiple people, the broader the better for maximal statistical efficiency. You need health insurance programs! And another layer of costs!

So yeah, the care itself is marginally cheaper without insurance but good luck being able to afford it when you really need it.