I'm not sure where this thought comes from - on our explanation of benefits there's always a line item for how much they negotiated down and it usually never am

I'm not sure where this thought comes from - on our explanation of benefits there's always a line item for how much they negotiated down and it usually never amounts to much. Insurance profit margins are pretty tiny. We (or our employers) pay a ton for insurance because healthcare costs are beyond ridiculous in our country.