The right way to approach this is to move to a single-payer healthcare system. The administrative overhead of all of these insurance companies is STAGGERING.

The right way to approach this is to move to a single-payer healthcare system. The administrative overhead of all of these insurance companies is STAGGERING. I consulted for a franchisee of Blue Cross Blue Shield 15 years ago. They were a "non-profit" org...the CEO made 2.1m/year. That's in a rust-belt city with ~1m metro area population. edit: They had a 200 person IT department that could have easily been run with 100 competent folks. For illustration, they had 20 people working full time managing the source of truth of their healthcare plans (to feed their claims processing system.) The source of truth was Excel spreadsheets on a shared drive. You can't make this crap up.