Being in a similar business I am used to these studies. They are complete and utter HS. The question is not what fraction of HC insurance dollars does for administration of health care insurance. The question is what fraction of health care dollars does to pay the salaries of doctors and nurses, the purchase of drugs and equipment, etc. It is a whole lot less than the other 80%.
Now your getting into what should be the price for providing the health care and what goes into that price. That will only be known in a truly free market.
Just thought of this, what if the customer involved in controlling the price. Novel concept, I know.
This could be done through having the customer pay or finance the cost and then be reimbursed afterward with a set amount. For instance, the insurer will pay $200.00 for a procedure on an ingrown toenail. The insured finds a doctor that does it for $100. Customer pockets half the savings. This could possible encourage people to negotiate the rates down.
Sorry didn’t get your point at first. I thought you meant the agents and insurance company staff.