Given the lack of transparency in the billing process for health care services -- there is no part of me that thinks these numbers could provide an accurate rep

Given the lack of transparency in the billing process for health care services -- there is no part of me that thinks these numbers could provide an accurate representation of expenditures toward actual research. How much research investment actually gets funneled into direct payments towards insurance companies or hospital providers (possibly co-owned by the research funds). The space for financial gamesmanship in the way medical facilities operate in the us is so big that I there's no possibility that this kind of thing is not occurring on a large scale ... if us public/private investment into medical research is so healthy -- why have the job prospects for anyone with a biomedical degree been declining for a decade straight?