The insurance industry adds about 30% to the cost of medical care, but adds nothing to health care. (Some of that cost is paying for political support.) In fact they work at disqualifying claims. They like healthy customers who pay inflated premiums. They dislike sick customers who require disbursements and prefer that they die. Which is why countries with a life insurance based health care system have higher health care costs and lower life expectancies. Countries that eliminate the insurance industry through a single-payer type model have substantially lower costs and higher life expectancies.
Time for America to change ideologies from protecting big business to protecting the health and welfare of Americans.