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> By law, no more than 15% is going to the insurance company (which isn't just profit, that covers all the administrative costs of running the plan).

That's quite a bit to a middleman.

https://pmc.ncbi.nlm.nih.gov/articles/PMC6179628/

"According to Reinhardt, “doctors’ net take-home pay (that is income minus expenses) amounts to only about 10% of overall health care spending."

It's also a big incentive for the insurer to increase prices. If they want more revenues, and more profits, they have to get overall spending to go up.

> Your basic family care provider living in Podunkville earns as much as a mid-career SWE in the Bay Area, and specialists earn way, way more.

Good. They should.



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