Well that's the thing, insurance is what makes health coverage expensive. Costs would have to be lower to get enough business. And hospitals wouldn't run extra tests just to get insurance companies to fund new equipment. And there is the hospital/doctors side. Hospitals and doctors pay boatloads for insurance. If the medical field could bypass the need for liability insurance, costs would go down. And with all that, there's no reason we can't still have health care for people who can't afford it. We could look at the housing market as another example. If loans werent a thing, houses would be far cheaper than they are today. Most folks don't have 300k liquid to drop on a house. A quick search shows people in the US earn ~60k a year. Goods and services that market to the majority of the people have to fit that budget.

I fundamentally disagree that insurance is the root cause of it being expensive. The root cause is a combination of the immense expertise required to properly diagnose and treat, and the supplies required to do the job. Pharmaceuticals and sterilized equipment and expensive machinery for tests and treatments, etc., etc. Insurance may exacerbate that, but you can't ignore a decade of training to be a doctor, the engineering experience to build their tools, the manufacturing techniques required to make sterile tools, the biochemical knowledge and experience to be able to create the drugs, etc. Insurance may inflate the cost some, but the price floor is already very high. Something similar can be said for housing and mortgages. Have you seen modern build quality? It's fucking cardboard and paper mache over wood framing. It's the cheapest shit possible, and it's still gonna set you back hundreds of thousands of dollars. It takes tons of manhours and thousands and thousands of dollars in supplies, and that's before you even start really finishing it so it looks ready for move in. Getting rid of mortgages wouldn't magically fix home prices. It would just turn the vast majority of us into renters because there's no fucking way most people manage to save up the six figure sum for a house while paying modern rent prices.