I've lost track of what you're saying. I'm saying that if you zero out the insurance companies, you don't significantly impact total health costs, because the insurers aren't where those costs are; that's the claim I made upthread you found "... novel", but it's not novel, and it's easy to go verify.
How much care costs can be attributed to providers needing and paying for departments to deal with insurance companies? How much care costs can be attributed to providers needing to spend x% of time merely documenting to ensure insurance will not deny claims/services? We can deal with going after provider fraud separately.
