All of the issues you describe, which are all valid issues, are consequences of the lack of a free market. Medical expertise is not provided in a free market; doctors have to be licensed by the government. Consolidation of companies is due to the fact that there are economies of scale to be had when your company has to specialize in government contracting and lobbying (the consolidation of defense contractors over decades has happened for similar reasons). Doctors and nurses are stressed and overworked because their supply is limited (due to licensing, as above) and because limited time and tons of bureaucracy due to all the third party players involved (players that wouldn't even have a say in the process at all in a free market) gets in the way of caring for patients.