I don't disagree with much of what you said. To repeat we have been paying for our own healthcare for 25 years and have required hospitalization a few times.
It is not cheap but at least the ACA required ins co to now pay for annual visits, many Diags eg blood work, basic X-rays and better prescription coverage so it is proactive for us as I use to not get annual physicals, etc because it cost so much out of pocket.
Our coverage has gotten better and deductibles and out of pocket costs are lower.
The big culprit is profit. Our procedure costs are among the highest in the world. And it's only because we can afford to pay it.
I would love to see single payer with supplemental policies available.