What confuses me about the healthcare debate

We know that healthcare costs are rising faster than incomes/GDP. We can further predict that they will continue to rise.

Insurance companies make profits, yes, but they primarily raise prices because healthcare costs more.

In other words, our pie of healthcare spending is growing, so insurance companies, which spread the costs of the pie evenly, are going to be raising prices for everyone.

And there's no way to avoid that until we can control costs.

Right?