There is a benefit in separating the parts that are actually just insurance that replaces low-probabily low frequency costs with a predictable payment (and thus

There is a benefit in separating the parts that are actually just insurance that replaces low-probabily low frequency costs with a predictable payment (and thus can be efficiently provided by competing capitalist companies) with the parts that are social redistribution schemes. The latter are necessarily the government's remit, and the political discussion on whether they are desirable can be had in an informed manner if costs are clear and they are not commingled with insurance elements.