In your insurance company example, you've forgotten that they've had their rolls padded due to AHCA which has increased their premium revenue and costs, although not in a good way.
Since your argument is that people without insurance are driving up costs, that means that those people are using services on the cheap or free. However, you've now added them to the insurance rolls, which directly is increasing the medical payments an insurance company makes. Therefore, it makes it easier for an insurance company to justify raising premiums to the 85% level to cover the increased costs you've just added to their rolls.
So in a nutshell, both the insurance company and the hospitals/doctors win because the insurance company gets to justify its premium hikes while doctors/hospitals enjoy a larger profit margin. And we all pay more.