Define need?

Is it like needing a kidney or an antibiotic for a staph infection?

A standard principal of free market capitalism is that all transactions are between fully consenting parties without coersion. There are cases in medicine where the provider has a lot of leverage that a surfboard shaper does not, no matter how much you "need" to surf.

There are natural monopolies in health care. These may exist when demand volume is low but the demand that exists is critical to the demandee. In these cases the high price of the product or service will not entice new players into the market because the volume of demand is too small. Rare fatal diseases with expensive cures or treatments fall into this category. The price naturally has to be high for any profit at all. Sucks if you ever need such a service or product. Double sucks if the provider takes advantage of the monopoly to gouge. Life saving products and services that fall into this category should probably be price controlled if not outright subsidized.

Of course there are a multitude of regulatory monopolies, patent manipulators, etc... We obviously need to fix these.

Then to really control costs I could write my canned rant about the insurance market and how we pay for basic care but that horse is liquified. Or you could just go read a Milton Friedman essay on the topic that dates back to 1968.