Aaaah yes, that's the life I tell you!
Everyone is all "medicare for all!" instead of going after (one of) the real sources of the cost: careless inefficiency.
But I can appreciate that your pet preferences prohibit you from believing this is so.
The health insurance business was almost a $900 B market in 2017, that's enough to pay 12,000,000 people $75,000/yr. Adding six, or six thousand, or 600,000 redundant employees affects that market very little.
Healthcare in the US is basically “cost plus” which means the higher the costs, the higher the profits.
It’s a weird space where many payers don’t really have a drive to reduce costs.
Provider inefficiencies are very real as well.