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Yeah, it's not a healthcare system. It's a jobs system and wealth transfer scheme. Insurance companies have the government in their pocket and get employer money, government money, and employee money and transfer it to the already outrageously rich, and all that in between cost (salespeople, billing specialists, HR benefits specialists) is somebody's paycheck.
That's without consideration of actual fraud, which moves money from the government to the rich without even providing services at all, and is easier to hide in such an outrageously complicated and expensive system.
Our entire nation exists to funnel money to the rich. Whenever someone wonders, "why is x this way in the USA?" The answer is always it puts more money in a rich person's pocket. The healthcare system is the emperor's new clothes. Bask in it, if you can see how great it is.