We should make insurance companies not allowed to negotiate special pricing for drugs and hospital expenses, and make everyone pay the same regardless if it goes through insurance, which insurer, or out-of-pocket.

Then the cost intensive flips. Insurer wants cheap healthcare and drugs so that they won't have to pay as much. This was part of what the original "affordable care act" tried to do, but was ultimately removed from the version that was passed.

It's also how insurance works by default almost everywhere except in the US.