The average nurses salary is $32 an hour, sometimes less. The average physician salary is in the $200,000 range, maybe more. People with no insurance would not be able to afford to pay for their time. Nurses and physicians are not going to work for less, it is stressful and backbreaking work.
The real issue is the administrative creep.It sucks the money out of the system. Billing needs to be simplified. Hospitals do no need utilization review, coders, nurses who review charts for hidden words that increase billing, diversity , corporate compliance. It goes on and on. I worked in one of those departments. It was not needed.
When that is eliminated, then lets talk about healthcare costs.
1st step would be tort reform. Looser pays fees.
1/3 of all healthcare costs is unneeded test and liability insurance for providers.
This reminds me of an astute observation I heard from a management consultant who was explaining why it's so hard for governments to keep highways in good condition:
"It's because people are willing to pay their auto mechanics a lot more than they're willing to pay their highway engineers."
Take your financial figures at face value. Put five doctors and ten nurses in a room for ten hours to do a surgery, and you've got a base salary cost of less than $10,000. Even if you triple that and then add $25,000 in ancillary costs, you're potentially looking at less than $60,000 in actual costs for the procedure.
It's easy to say "people with no insurance would be able to afford to pay for their time," but that's exactly what they're doing anyway. The last monthly premium I was quoted for a personal "silver" level medical plan was about $900 with a $2,500 annual deductible ... which means I'm paying $10,800 in premiums every year and $2,500 in deductibles for a plan that only covers 70% of the medical costs anyway. So it would actually be CHEAPER to pay directly even for many expensive medical procedures on an as-needed basis.