Sorry, but I’m not quite sure of your point in the first statement. Are you saying that Switzerland is too small to compare to the U.S?
And to your second point. This complexity doesn’t benefit insurers as much as it disadvantages patients and lines the pockets of medical care providers.
Let’s not forget that under the ACA’s Medical Loss Ratio, insurers are forced to spend 80–85% of the premium dollars they collect on medical care for their policyholders. As opposed to CEO bonuses, advertising, administration, etc. And if insurers fall short of these numbers, they have to return the excess premium to the policyholders.
But the ACA (and the recent GOP healthcare bills) offer no such limitation on the profits of medical providers. Which is kind of crazy when you think about it. The absolute number-one driver of healthcare expenditures is sparsely mentioned in either piece of legislation.