The more frightening thing is how many middlemen's costs are baked in. Of course insurers aren't sitting around twirling their moustaches, figuring out how to

The more frightening thing is how many middlemen's costs are baked in. Of course insurers aren't sitting around twirling their moustaches, figuring out how to be incrementally more evil; but they are spending astronomical amounts on compliance and other side-things that aren't actually healthcare.