Noah Smith has had some good posts on health care costs in the US over the past year

https://www.noahpinion.blog/p/insurance-companies-arent-the-...

https://www.noahpinion.blog/p/service-costs-arent-exploding-...

Linking blog articles that bury the lead behind paywall make it impossible to discuss anything.

However, at the core, US insurance system is the problem because it gets compounded by government trying to regulate such a system, so people do not die needlessly, but not destroy these profit seeking enterprises. So, what you end up with is a massive mess that leaves everybody cranky.