Those are all good points, but all of things you mention are pretty much inevitable in any sector of the economy where third-party payment is the normal course of affairs.
“all of things you mention are pretty much inevitable in any sector of the economy where third-party payment is the normal course of affairs”
That’s only true if certain other conditions hold. For instance the third party payer system works well for auto insurance, but only because drivers are smart enough to pay for general upkeep on their own and save insurance for great, big expenses. The problem with health insurance is that people use it to pay for every damn thing, from dollar one at the clinic to spinal surgery. Which might be what you meant by “the normal course of affairs.”
But also there’s another party, a fourth party if you will, in your employer. So that people don’t even buy insurance directly, let alone healthcare. Then there’s the lack of competition, thanks to the fifth party that is the government.