The problem is everyone gets paid too much. Our doctors salaries are far out of line with most countries , we have the strictest drug pricing laws in the world, and people love to sue. We also have a significant portion of the population paying no medical bills while the rest is overcharged to compensate. On top of that our health insurance is full of middle men like "PBM's" that do nothing but raise costs.
The combo means docs, drugs, treatment, and insurance are all more costly.
A fix is hard to come by but would work something like this.
1)subsidize the cost of medical school increasing supply of MDS
2)pass laws to protect physicians from frivolous lawsuits or at least limit damages.
3)disallow drug companies from advertising, ban rampant kickbacks to doc's that prescribe their drugs
4)ban anti competitive practices that prevent insurance companies from negotiating prices directly with manufacturers.
5) provide healthcare centers of last resort(the ER) compensation for patients unable to pay.
My last point is state specific and really controversial but it's based on what I've personally seen.
States with a lot of illegal immigrants spend an enormous amount for healthcare at the ER for these people. Around 1/4 of the people that came into the ER I was familiar with were likely illegal
and over 90% either gave a fake name or never paid. The majority of those costs are passed on to those with insurance. I lived in an area with probably 3% of the population were undocumented.
Since the ER is healthcare of last resort they are forced to treat you even if you give them completely false info with no intention of paying. Illegal immigrants know this and preferentially go to the ER because they get treated without probing questions or need to pay. They also already have fake ID's in most cases so giving one to the hospital isn't a big deal. This enomous cost gets buried because it's politically unpopular to say and because the hospital just raises prices in everyone else to compensate.