Twenty percent is not the profit margin. I think most health insurers would be thrilled to be making as much as software companies.
I wonder about this knee jerk reaction I see here. Whenever companies are making profits it is assumed to be "at the expense" of someone, like the consumer. So profit making is a negative.
In the real world profits are what allow higher salaries, better benefits, more research and development, and a better economy. All things one would imagine would be desirable.
Profits are not needed to provide insurance or banking services. Neither industry actually makes anything and should therefore not be considered 'industry'.
All you need to form an insurance pool is a lot of money, a computer and people with management skills worth between $30,000 and $200,000 per year.
There is no reason ANYONE should be making a few to tens of millions of dollars managing an insurance pool - we are paying them WAY more than they are worth.
Outsie of the obvious psychos on this board you are easily the biggest tool here. You understand zero about business or economics.
SHareholders are the last to be paid, as the owners are always the last to be paid. I'd suggest a course in business before you go showing how stupid you are again.