The United States government does not set prices for doctors bills, what are you talking about? Healthcare providers in the US operate privately and set prices

The United States government does not set prices for doctors bills, what are you talking about? Healthcare providers in the US operate privately and set prices based on market rates. Again, if you want to, you can go and purchase whatever healthcare you like already without a middleman, the point is, it isn't going to be cheaper, which is why people, voluntarily, purchase insurance.