Heh, you make some good points.
I think our problem is we've been lead to a belief that someone else is responsible for our health bills.
Costs would have to come down if people were weaned into paying part of their own freight along the way. If you can afford an iPhone and cable tv every month, you can afford a doctor's office visit once a year.
If health insurance was truly insurance, it would be for major costs. Not routine "maintenance" costs.
Sometimes I see things like a blood test being billed to the lab for $500, and the insurance company allows the lab $50.
That's a place to start reforms. Labs, tests, procedures, etc., can't be billed to people w/o insurance at 10 times the rate that insurance companies settle for. Maybe I'm missing something, but that sounds like a simple fix.