No doubt aggressive lawyers are a contributing factor, but it appears that greed is the major cause of the high cost of health care.
There is simply no reason an insurance company should even be involved in normal preventative care. It is understandable that people will pay for health care. The form that payment takes has reached the level of absurdity.
A statement of the transaction shows that the provider billed an amount for their work. It is a highly inflated amount and they know they are not going to be paid that much. Then there is an amount the insurance company approves. But they don't pay that much. There is another amount they pay. Then there is a fourth amount you have to pay.
It's a shell game designed to be confusing. They don't want people to understand their statements. That way the insurance company can always slip in a little hocus pocus and grab some of the money for themselves. A little here, a little there, pretty soon it adds up to big money.
The best way to do it is for everyone to pay according to their ability into a system which provides health care for everyone in the USA. Everyone needs health care, but everyone can't afford it. The rich should pay more, everyone should pay a little. A truly great country values it's people enough to provide health care for everyone. If we really want to make America a great place to live, do that.
Health care providers should make a good living. No argument against that. Nobody needs to be getting exorbitantly rich from providing health care. People who do a function that requires a lot of education should be paid more, of course. That's reasonable. But should they be getting insanely rich off it? That makes it appear that they are only doing it for the money. We need a health care system devoted to the goal of making Americans as healthy as possible, not making as much money as possible.
We don't need to be paying two armies of bureaucrats to do battle every day about what should be paid and who pays it. Capitalism is not the best system for health care. Yes, it needs to be socialized. Single payer makes all kinds of sense. Over charging and many fingers in the pie do not. This stuff is expensive enough as is. And if anybody tries to monopolize the market for supplies, drugs and equipment, those companies should be nationalized.
If we had two political parties that really cared for the concerns of the people, all this would be a no brainer. Instead, they both answer to the rich and powerful. One is simply more blatant and underhanded about it.