There is nothing here I haven't put up links to at least a half dozen times, at least.
Good grief, man. What would make you think I'm interested enough in your opinion to dig through 2,654 posts to get it?
"Skimming off the top" though is an interesting charge. Are orange jumpsuits in the offing at Cigna? I hadn't heard.
A company can do anything as long as congress makes it legal. Skimming off the top? What would you call it? Health care companies don't have any doctors, nurses, hospitals or medicines. They sell policies and then use a portion of that money to license health care services. They stand between you and your doctor and decide what they will pay for. If you cost too much, they cancel your policy. They nearly always use "pre-existing condition" as the reason, which is how they get around the law.
The VA, considered the best in the world, spends 96 cents per dollar on health care. They have a central data base that keeps track of the use of medicine and therapies and their effectiveness, in every field, cancer, neurology, psychiatry and others.
Health care companies spend less than 60 cents per dollar on health care. The rest is spent on CEO salaries, stock options, bonuses, rent and administration. The average CEO has a salary of more than 4 million. Nice for companies that don't make anything or sell anything except insurance policies.
I put up so many links to this stuff, I know it forwards and backwards.
What would help is a public option linked to the VA data base so we know what actually works. That would be a beginning. Then incentives for weight reduction and other health improvements. I'm not a medical professional, but I do understand the difference between being ripped off and health care.
Okay... medical insurance policies are CONTRACTS.
They just can't be set aside on a whim. I'm not saying that there's never any wrong-doing, but the idea that the Big Insurance Boogeyman can legally get away with anything it wants in whatever arbitrary way it chooses... is ludicrous.
Sure, you hear all these horror stories from Capitol Hill, and every now and then one will actually be true. But these snake-oil salesman are trying to sell you something. Each one gets before the mic and says essentially the same thing...
"Here's some awful sob-story I heard", and
"We're the government and we're here to help".
I've talked to countless people who were dismayed with insurance paperwork, but thrilled at their coverage, people who've had open-heart surgery to save their lives... and only paid a co-pay for the whole thing. 85% of Americans are happy with their coverage.
Understand... that you can SUE a private insurer who doesn't fulfill your contract. But your recourse in dealing with the federal government will be 'slim' and 'none'.

It will do as it pleases, changing terms as it likes. Instead of the insurance boogeyman, standing between you and your doctor, it will be a government bureaucrat that you can't fight.
And this business about insurance companies taking 4 administrative dollars out of every 10 is something I'll take your word on for the sake of discussion. (Although, once again you have failed to provide a link.) But consider... that the mechanism that stops top-heavy corporations from spending too much on themselves is... COMPETITION. The "lean-and-mean" well-run corporation will whip the sloppy out of 'em any day of the week and twice on Sundays.
The idea that the federal government can create "competition" by giving us one crappy government option or expanding Medicare and Medicaid isn't even credible.
Particularly not when one considers that all it takes to bring something like 1300 companies into direct competition with one another is to allow health insurance to cross state lines. It's constitutional and it costs the taxpayer NOTHING!
You liberals whine and carry on about Big Insurance and Corporate Conglomerates, but your policies ENCOURAGE them. Cigna would shit its pants if it had to face an open market. Why do you think these people have been in back-door support of Obamacare right up until they decided his individual mandate wasn't stringent enough?
Big Government *and* Big Insurance are playing a game of "Hide-the-Sausage" with you.
Wake up and realize that the partisan divide is meant to keep us at one another's throats while the rich and powerful become MORE rich and powerful.