You can choose to spend your money on insurance companies, or you can choose to spend the money on doctors, hospitals and medicine. The latter will improve your health at a lower cost than the former. Send the money directly where the money are needed, and don't let unnecessary people and companies take their cut on the way.
I think you had a quote-fail there. Hopefully I got it right but if not, apologies in advance.
Agreed that insurance companies are part of the problem. Not so much for their existence per se but in how they are implemented. They remove the coupling between the paying for and receiving of medical care. In the US, this is largely a holdover from government enforced wage controls where companies had to find a way to adequately compensate employees and health insurance turned out to be it. Now it's an expected part of the employment contract and no one pays directly for what they receive. It's no wonder costs are out of control really. Obamacare is just making it worse unfortunately.