that's a pittance. Costs are driven by: An aging population that needs more expensive care. More drugs w/o price controls in the US. More cool devices to detect / treat issues (no judgement if they are good idea, but those MRI or other machines cost a lot of money) Really, cost increases are driven by demand of an aging population that lives longer thru more disease, and rising costs from providers. Do insurance companies skim off a percent? Yes, yes they do. As for single payer.....companies like UHC will probably do the processing and other work, no chance government could do that. They'll still be there making money. Again, my thoughts, not the thoughts of my employer.