Spats, I have disagree with your take on the insurance side of things. I agree that one payor system is the way to go and the incentives of this system at it's core must change....but the Health Insurer boogyman just doesn't exist like you see it.
There are IMMENSE competitive forces in the health insurance market that hold premiums down to a calculated low single digit profit. In addition through contracting insurance companies keep hospitals and docs prices to a fair level (in most markets) - the kicking in of widespread contracting forces in the early 90s were the main reason for the negative health cost trends of that time. There are also forces within insurance companies that want the lowest rates possible and have pure sales as their incentives, which can cause insurers to make gambles on the low end to be more competitive or to enter a new market. This has caused a few insurers to go under (there was 2 in Mass a while back that caused a major crisis because the State had to take over these members). hell, my old employer almost went under because we had 3 premies and a hemophiliac that had some massive trauma all at the same time.
should CEOs be making $100 million, fuck no. but even with those massive salaries those large insurers still have admin expenses far less than smaller local insurers.
are they worse than hospitals in one hospital towns that charge whatever they want to charge and do not negotiate with insurers taking in double the revenue of a hospital in New York City while giving sub-par care and inefficiently running their hospital? are they worse then our competition here in Reno that has the only Northern Nevada trauma center (awarded & funded by the beauraucrats @ the State) but refuses to give us a break on their "charges" that are 2-3 x what they charge their own insurance company thus making it harder for us to compete and raises our members rates? are they worse then the insurance broker who gets10 or 12% of the premium of a small business (that's higher than most insurers admin costs)? how about the back doctor that does 50 unneccesary surgeries a year or the ortho that makes all of his patients file to the x-ray machine for those $300 worth of x-rays regardless of need.
My point: there is so much fucking inequity and needless layers of fat at almost rung of the ladder. but no one is this boogeyman bad guy but rather every single entity in this supremely scattered system has a hand in this. Everyone is just trying to make theirs just like every other industry. I will say I've seen some brokers though that are absolute fuckwads and leeches on the system.
to some of your other points
Agreed on point 3. Point 4...well you are just scratching the surface. Pricing, billing, enrollment and claims adjudication efficiencies would save a chunk of change but I drool at what can be done with research and care management by having everything in one place.
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