I see what you are saying but prices are completely out of control precisely because an insurance company will pay a 6 or 7 digit bill.

If insurance was gone tomorrow and there was a cap on how much a single payer system would pay I am pretty sure million dollar surgeries would go down significantly in price.

I mean surgeons are paid well but a million dollars for a few hours of their labor?

Constraints on how many people are permitted to become doctor's also reinforce this issue.