That is because the problem was never the sub 3% profit margin or non profit insurance companies (in the case of Kaiser and many others).

The problem has always been pharmaceutical prices, liability costs, and inadequate supply of healthcare.

The government does not want to decrease the price of medicine by funding trials so medicine is in the public domain and cheaper, the government does not want to increase the number of matriculating doctors and bring down their time/money/stress costs, and the government does not want to enact tort reform so every step of the healthcare chain is spending inordinate amounts of time and money to prevent litigation.

In the US, you should always be double checking what your provider (or guidelines or whatever) is telling you to ensure that the information is maximizing your benefit instead of minimizing their liability.