If price were the only issue sure, but there are a many other problems - oh you went to the ER? Or you picked a specific hospital/surgeon for something? Too bad, this one doctor isn’t in network.
You can only have a specific version of a medication because another is ineffective or you have an allergy or adverse reaction? Well that sucks, your insurance only covers this one type.
Your doctor ordered a specific set of tests? Your insurer can decide that they’re not medically necessary and overrule your doctor.
And so on… when the required amount of regulation is so vast that it touches every part of the system because it is just that bad…. Surely universal healthcare is the better option at that point?