[jjav]

I don't know where the majority of the money goes, if you're looking for a precise breakdown.

The point I'm making is that only a very very tiny fraction of the bill goes to the people actually providing healthcare (the nurse and the doctor).

Of course some overhead is inevitable, but there is very clearly a vast amount of waste here that could be eliminated. A nurse + a doctor provide $30 of their time, and $470 of overhead is tacked on to that. That's why healthcare is so insanely expensive in the US.