Health insurance remains the bane of everyone’s existence - physicians and patients. No one realizes how many different systems of insurance actually exist. You may think you are separate from Medicaid because you pay in cash or because you have fancy employer insurance. But you indirectly or directly subsidize Medicaid, Medicare, and uninsured payments either through your taxes, salary, or your premiums itself. The income diagram for United Healthcare towards the end of the video literally shows you how the giant insurance companies hide their money. If you look at just the premiums total (so Medicare + State + Employer), and then you look at "Medical Costs", the Medical Costs come to 84% of the total premiums. It makes it look like profit is the tiny 21B at the top. However, the "intercompany eliminations" is huge because basically everything coming from Optum gets obfuscated and it does not look like revenue or profit, even though it is.