Austria is generally a lot cheaper than Switzerland, but also a lot more crowded. If you are on a budget, you will get a lot more for your money in Austria... On the other hand, Switzerland has the taller, more bad ass mountains with far less tourists.
You probably listed the top 3 most expensive resorts in Switzerland though. Also look into Andermatt, Engelberg, Laax, Disentis, etc..
That thing about the ski pass and insurance is absolute bullshit.