It all comes down to money
When insurance companies are set up to make money and not help people they are motivated to not pay out on claims.   There for driving up premiums.  This is where universal health care would greatly help.
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Poverty and Welfare Politics and Policy in U.S. »Poverty and Welfare Politics and Policy in U.S.
Causes of poverty »Causes of poverty
Why do so many people not have health care (insurance)? »Why do so many people not have health care (insurance)?
It all comes down to money
All businesses want to make money, which doesn't imply high prices. »All businesses want to make money, which doesn't imply high prices.
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