You are leaving out one of the biggest causes of the high cost of health care.
Unpaid bills.
People don't pay their bill so the provider jacks up everyone else's bill to pay for the bills the deadbeats don't pay.
Then add in the high cost of the education to become a doctor.
Add in the high cost of equipment and an office to actually practice medicine.
Then add in the greed factor.
All of that causes the high cost of health care and it's not going to change no matter what you want.
I don't like insurance companies but that's the system that has been forced on us. We don't have any choice. Either have insurance or don't have proper health care.
That is the only system we have so we have to work with it.
You don't want insurance companies but you also don't want a single payer government system.
You don't offer any alternative that is based on reality.
That reality is people can't afford to pay their own medical bills. The bills are thousands to millions and no normal person can afford to pay it themselves.
So the reality is that it's either insurance and the mess we have now or a single payer system that has been working for the rest of the world for many, many decades.
You cover a lot of ground here, but most of it seems predicated on the assumption that I oppose insurance, and that's not the case. Insurance is fine. But group insurance isn't really insurance. It's just employer provided (or government provided, whichever) healthcare. Normal insurance has counter-incentives that help prevent abuse, and keep costs down - ie your premiums will go up if you use it a lot. Group insurance has no such counter-incentives.
The problem is that we've been sold the idea that the only way to afford regular healthcare is to get an employer, or the government, to pay for it on your behalf. But that's just dumb when you think about it, and in no way sustainable. Employers, or the government, might like it because it establishes dependency, but it obliterates market incentives and drives prices higher and higher. Which reinforces the self-fulfilling prophecy that healthcare is too expensive to pay for your own.
As others here have mentioned, we need to do away with the tax incentives, and other policies, that promote employer provided healthcare. People should buy their own insurance policies and, if they're smart, they'll get high-deductible, catastrophic policies and pay for as much as they can out-of-pocket. And once people are paying for most of their healthcare costs out-of-pocket, prices will come down.