The health care system is hosed. Insurance is part of the problem.
I broke my wrist snowboarding and didn't have health insurance. Went to the Emergency room and sat in the waiting room for 7 hours. Spent one hour in a bed waiting for X-rays to develop, got a percocet and sent home. The bill was almost 900 dollars for a pill, and x-ray, and 20 minutes of speaking to someone.
The next morning I went to an ortho guy who declared surgery was necessary. I told him I didn't have insurance. Instead got anesthesia, bone setting, three casts, and four office visits for $200. I had another x-ray done during the healing process for an additional 25 bucks.
I had a wisdom tooth pulled for 60 bucks cash. A couple of years later I had another one pulled in exactly the same manner (novacaine, tooth yanking). My insurance company was billed 300 bucks for the exact same five minutes of work that cost me 60 bucks elsewhere.
The insurance companies and the doctors / hospitals are constantly trying to shaft each other and the public's getting screwed in the process.