Health care in the U.S. is screwed up, no doubt. There are many, many reasons.
1) Health Insurance is not required, the way it essentially is for you. For example, imagine car insurance. It's required to drive. Now, imagine if some people didn't have it, but everyone's car still got fixed. What's gonna happen to the rates of the people who pay? They'll go up. Strike 1
2) MOST health insurance comes from people's employers, so the cost is essentially invisible. This leads to the problem where people get the "I have to have the best" mentality. Now, obviously, some treatments are going to be expensive and you have to have them, but there are many times when cheaper ones will do but people insist on the "best" treatment possible since they don't really see the full cost of that. In other words, we're not frugal about it. To bring back the car analogy, imagine if EVERYONE wanted BMWs for all driving tasks, no matter their actual need. Strike 2
3) And strike 3 is that we're all freaking terrified of fixing EITHER #1 or #2! I could write another whole essay on that, but the short version is that there are fixes for both of those problems but the average citizen can only imagine the worst, dumbest fixes. So that's what we imagine and we crucify any politicians that suggest fixing either of these problems.