I disagree, I don't think payer-side things are why healthcare is expensive, but payee-side things (hospitals, pharmacy benefit managers, docs, and the choices that flow from them) + obesity/T2D. I think this is pretty clear from where the money goes and why people in the US need so much healthcare in the first place, and that hamming about insurance is 95% a canard.

If you think you can replicate the healthcare success of [pick your model country] without also replicating their obesity rates, doctors salaries, amount of testing and prescriptions, etc, you will find that who pays for it all is the least of your concerns. As Americans consider it, we probably have too much "healthcare", not too little.

Others have spent far more time than me on this if you're interested: https://randomcriticalanalysis.com/2020/01/31/i-created-a-pr...