There’s no way to attack this problem than to lower the costs. And that means lower pay. Insurance companies have 20% margins at most, by law. Their activity is not socially worthless. The NHS performs the same activity as insurance companies, but US voters don’t want the government to do that.
Doctors can charge high prices because they have low supply and high demand for their services.
No one is stopping a doctor from offering their services at $25 or even $50 per 30 min consultations. If doctor A was offering their services for X + e to insurance just to get X, and doctor B was offering their service for Y, and Y is less than X, then insurance would still go with doctor B even though there was no “e”.
Insurance companies solve the issue of a buyer having no knowledge about what they are buying since they also employ doctors to check others’ work, and to negotiate pricing as a group. Some countries don’t need this since the buyer is the government, but the government is still performing the same functions of negotiating prices and verifying doctors’ work.
A lot of countries have universal healthcare and, shock, horror, it is cheaper per capita.
A lot of countries have strict gun laws and, shock, horror, they don't have mass killings.
But no, you're American, of course you're way is right because, um? You say so! You've have some compelling "arguments", despite all the evidence.
It would be funny if it wasn't causing so many preventable deaths, both from a lack of affordable healthcare, and mass murder sprees.
I never mentioned the US way is the right way, I actually think taxpayer funded healthcare is the way to go if we are going to force hospitals to provide care to anyone that shows up at their doors.
There is a lot of overhead from insurance companies that isn’t needed IF the US had taxpayer funded healthcare, but there isn’t, so they do serve a purpose of vetting a provider’s care and negotiating pricing.
Different countries, different pays.
TBH, if you feel doctor pay is somehow too expensive in the US, you're probably thinking about the wrong thing.
I would confidently expect the profits all your health insurance companies dwarf the difference in doctor salaries (an activity which is economically and socially worthless rent-seeking), let alone the salaries of all the utterly pointless health insurance company employees.