Your analysis of the healthcare situation is accurate, and all the institutions you mentioned are very much to blame. Obama's solution, which you apparently support, involves increasing the level of government involvement. Yet there is an easier, cheaper and more direct solution, and one that does not involve the government taking control of our bodies out of our hands. That is to combat those very institutions that you mention (insurance companies, the AMA, giant pharma and the malpractice lawyers), and to remove the special privileges they have acquired THROUGH GOVERNMENT.
Lets take the case of the AMA, which has managed to convince the American people and the government that the regulations they support (licensing for professions, monopoly over medical education facilities, prescription drug laws) are in the greater interest of Society. Imagine how much more affordable healthcare would be if these regulations were removed.. Rather than having to go back to the doctor every time to get a prescription, and essentially paying him/her a "tax", you would be able to look up your symptoms and order the appropriate medication from India at a fraction of the cost.
This is just one example of reducing government involvement will be better for the patient than increasing it. I'm sure that if you analyze the governmental regulations imposed by each of the institutions you mentioned, you would realize that the true solution to the crisis is getting the government out of healthcare entirely.
