I think it is horrific that a random health crisis like a brain aneurysm or cancer could mean that a person needs to start fundraising with pizza places and bake sales and gofundme drives to pay the bills. These could happen to any of us, so why do we keep drawing straws and hoping we aren't left with the short one? Even from the business side... why should a small business pay higher rates just because one of the employees has a health crisis and the employee pool is suddenly deemed riskier? 

Not having universal health care means we often intervene too late, when a person's health is already compromised and costs of care skyrocket. Yes, the healthy will subsidize the sick in such a system, but we should realize "there but for the Grace of God go I" and participate gladly.

Costs are a more complicated beast, and unfortunately obvious costs like insurance executive salaries or malpractice costs are just a tiny portion.