On: Employer health plans are getting pricier and skim...

[d1zzy]

The typical insurance company returns are pretty small (~5%) so that alone doesn't seem to explain why prices are so high.

[hcknwscommenter → d1zzy]

But that's the return (net margin, not gross cost that the insurance company is adding to the whole system). You have to look at gross, which is way higher (~5x).