My experience working part time with several providers of various health care coverage over the years has been that some CEO gets $75,000 plus a year out of the premiums, some management folks get $15 an hour and the worker bees who take the calls and do the imput to obtain coverage for a participant get minimum wage or a smidgen above. With multiple firms starting up and failing that is a lot of ponzi scheme type businesses. Single payor to a government regulated bureau might limit the number of takers in the CEO salary range and keep companies in the black longer. So many go out of business after a few years and stick the payee with shit.

How many companies have handled the healthcare coverage given as benefits by firms where some of us have worked? I believe that the State of Pa has had a few just over the last 10 years. If the government was in charge of the bureau/department that handled all basic healthcare coverage we would have Constitutional protection as well as dubious contract rights.
(first year law- all contracts are made to be broken)