Today with the US-based insurance system, there's usually at least one whole employee at every doctor's office whose only job it is to figure out who pays what,

Today with the US-based insurance system, there's usually at least one whole employee at every doctor's office whose only job it is to figure out who pays what, and do all the related phone calls and paperwork. For example talking to every patient's insurance company and turning medical procedures into ID numbers. If the doctor sends you to get lab work, the lab has its own person that fills that role. If the doctor sends you to a specialist, ditto. Of course the insurance companies have their own hordes of employees who write all the rules of who pays what under what circumstances, keep the books of all the patients' deductibles and all the providers' bills, etc. None of these employees does anything economically productive. They just move money around. Obamacare requires that people buy health insurance, which protects this bureaucracy with a legal mandate to purchase their services, and creates more bureaucracy, on the government side, to administer the law.