[Ididntdothis]

You are looking at the wrong number. US insurances are bloated institutions full of bureaucrats that do things that shouldn't be done. So it doesn't matter if they make some profit or lose money. They are still a big waste of money.

[faet]

And if you eliminate everything except the cost of care you're saving less than 3%.

[Ididntdothis]

You won’t find the single silver bullet that will solve all problems of US health care. Pretty much all players are inefficient so you will have to reduce insurance costs and hospital costs and drug costs and a lot of other things. Also don’t forget that the insurance bureaucracy also causes a lot of cost at doctors who have to hire people who deal with billing.