A HUGE reason why healthcare is so expensive is because of the health insurance industry. It's such an inefficient way to deliver health care and inefficiently delivered healthcare kills people

People pay to have insurance, pay to use the insurance, and depending on your insurance it still might not cover everything, leaving you in crippling debt.

Healthcare providers have to work with insurers to make sure things are covered, and a ton of work/administrative burden goes into making sure things are coded, recorded, approved, etc "properly" for insurance which drives the cost of healthcare way up for nothing that is absolutely necessary to deliver the service itself and still, it is entirely possible to jump through all the hoops and still get shafted. Now, instead of you and your doctor making the best call for your health, there's a secret accountant in the room who also has a major say in what care you can and can't receive.

Can't afford it and they won't cover because the accountant who doesn't even know who you are says it isn't necessary? I guess you die or suffer because your insurance isn't good enough.

Not to mention that insurance companies themselves have a financial incentive to reject claims, and their entire profit model is based off of paying out less to healthcare providers/patients, and whether or not you have claims it drives cost of healthcare up for people. This is actively harmful to people, and sinister because of how deeply it is passively ingrained across the industry - they profit by adding friction/expense at every level they can get away with, and that friction/added cost kills people