Yes there’s tons of overhead and extra costs, but it isn’t mostly at the insurance company level. It’s spread all around the system, that was my point. There’s no one “quick fix” that leaves everyone with the same job and fat salary as they had before.

That’s right you’d need to eliminate most administrative jobs, all the jobs at PBMs, etc

Then these folks can contribute to the economy constructively, somewhere else instead of being a giant helksink of cost. A win-win for everyone