One thing you may not be considering is that medical services are a business. With all the covid protocols in place their customer pool is restricted, reducing the cash flow and overall revenue. There are fixed operating costs to keeping the doors open even if half the staff has been furloughed due to reduced work load.
It's not all covid either. Sometimes, as happened in my state, after the previous governor cut medicaid payments and eliminated other state subsidized medical facilities, the small town hospital where my doctor is had to start getting up front co pays.
Add insurers into the mix, that fight reimbursement, down right refuse reimbursement, government mandates, and don't forget many laws governing these things in states were actually authored by insurance companies.
It's not a simple answer.
The whole system in the US is basically a mess. It was nearly 40 years ago when I worked in a hospital and I'm afraid it hasn't gotten any better.