Wait what? Your math is completely off. The 3% drop in administrative costs is not directly deductible from the 6% growth because that 3% drop would mean the growth would also be lower (since it's a %age of the total costs).
Jun 2016: US spends $100 on health care ($7 on administration) Dec 2016: US spends $103 on health care ($7.21 on administration) Jun 2017: US spends $106 on health care ($7.42 on administration) --> US administration costs drops from 7% to 4%, saving $3.18 Now US spends ~$102.82 on health care
I rounded
Even just calling all the billing companies to get my insurance applied is a huge hassle, and when it comes due it can take a number of hours out of my day.
And occasionally, I'll get a bill from long ago that didn't have insurance applied, and it can be a big hassle all around.
The hassle and aggravation is almost certainly worse than the IRS that people are always complaining about (and rightfully so).