Why Do We Have To Pay Insurance Companies For Our Medical?

Wouldn't it just behoove us to pay the Fkg Doctors?  I used to have Government Doctors in the Military, I thought it was great!  No, I did not like sitting in the ER for 10 hours with an I.V. in one arm, a vomit tray in the other while sitting on the cammode with food poisening.  Never did get a room, but at least there was somebody on hand, say if I went into cardiac arrest or something! However, at least it was SOME kind of care!  Beats NOTHING which is what most people can afford right now!

What I do NOT understand is why we are making the INSURANCE companies FAT!  Cut out the middleman!