Rates are too high as it is, but the cost of health care should not matter if you have insurance or not.
I've heard, but cannot confirm, that the reason is that most who do not have insurance will likely default on the costs associated with their health care, especially expensive procedures, so they raise the prices so they can write off more, decreasing their taxes. If this is the case, that should be illegal. As far as I'm concerned that's tax evasion and fraud.
The same goes for the drug companies. There is no reason at all that a drug that costs $200 with insurance should cost $2000 without. All that says is, 'screw you poor people. We are trying to squeeze as much profit from this drug as possible before the FDA makes us recall it because we rushed it out the door or before the exclusive patent dies and generic drug makers can start making it.'
I'm not against a public health insurance plan, but fix the price dependency and a public option may become less needed. Though I'm sure those corporations would find some other way to reclaim that lost profit.