So first let's look at the fact that 35% of health care costs (17% instead of 11% of GPD) is spent on this crazy for-profit bureauracy. All our premiums and healthcare expenses could be 35% cheaper if we had a sane system.

1) I don't believe there is 35% going to shareholders.

You're right. It's more like 10-15% going to shareholders and 20-25% going into "infrastructure and technology" to hide that fact that their real profit margin is 30-35%.