[CharlesWayneCT]

Even insurers hit with charges of high-overhead, like Blue Cross Blue Shield of NJ, has a total overhead including profit of 15.6%, well under 20%.

Companies which hire insurers simply to administer plans that the company self-funds generally won’t pay more than 10% of the total costs.

[AndyJackson]

You have no clue. The overhead is not what they "call" overhead, but the totality of administrative costs in the current health care system. THis includes the administrative costs of doctors and hospitals to do the paper work to document insurance claims, medical claims, etc. Doctors are not opting out of insurance and going to cash based transactions because these charges are 20%. They are going to these things because the total costs AND time mean that they have become paper pushers rather than practicing their professions.

Open your eyes, look around you and see the big picture.

The US economy is based largely on rent-seeking behavior- taking fees for controlling transactions while providing little additional value in return. Banks, hospitals, health care, car manufacturers, lawyers offices. It is everywhere. It is why our economy is finally sinking.