Insurance companies don't make much money, actually. Hospitals, physicians, and pharma are at the top of the list (60% or so of total spending). Total insurance overhead is perhaps between 10 and 20%.
In 2024, insurance was 31% of national health expenditure: https://www.cms.gov/data-research/statistics-trends-and-repo...
That's a third of the whole system just spent on middlemen whose whole job is to make access to care harder. The single largest proportion of our expenditure was on the most useless part of the system.
Private health insurance costs more than physicians, hospitals, prescription drugs, or Medicare or Medicaid.
Also, the average doctor's salary is around $386k/year, and is heavily propped up by extremely rare specialties who make much more. The average primary care doctor makes around $240-280k/year. It's true that the US pays doctors much much more than the rest of the world, and is also facing a historic doctor shortage which drives up costs - but your numbers are still way, way off, probably because you eyeballed instead of doing research.