I’d love to see insurance companies get taken down a notch, but what you’re saying isn’t nearly as simple as you think. People regularly get tens of thousands of dollars into debt for lifesaving care, even with insurance. Those without it can go hundreds of thousands or even millions in the hole - I’ve personally known people in that situation. I certainly agree that hospitals are partly to blame, but the whole healthcare system is built around insurance paying most of the cost. This never would have happened if insurance didn’t exist. It’s a captive market. The only way doctors, hospitals, and pharmacists would unite in not accepting insurance was if all insurance companies disappeared. There’s just too much money on the table otherwise.