No, you've misapprehended the critique; in fact, your comment here isn't even coherent. If you eliminate United altogether, you get a grocery store circular discount on health care; in other words: health care is still altogether too expensive. So the "actual problem" can't be the system supporting health insurance; the problem has to be elsewhere.
It's not hard to see where it is! Go look up the 2022 NHE, which includes a giant spreadsheet breaking down where all the spending is in the system (you want the "by type and program" sheet).
Looked at the table and could not plainly see the problem. Would imagine that time series presented like with an analog of Tim Morgan's Energy cost of Energy for energy markets might help..
It's not hard to see where it is! Go look up the 2022 NHE, which includes a giant spreadsheet breaking down where all the spending is in the system (you want the "by type and program" sheet).