It is unaffordable for thi very reason. When someone else is paying, they could care less how much how much it costs and so a person will not shop smartly. No freemarket price controls.
Doctors used to be considered tradesmen who made decent wages, but nothing out of the ordinary. But the liberal elites decided that doctors should be considered “professionals.” So, now, 99% of patients are dealing with a doc who makes much, much more money than they do. The doctor also is absolutely convinced of his (or her, nowadays) intellectual superiority.
Fixing health care starts with knocking those elitists down about five pegs and slashing their incomes.