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Ultimately, insurance is a bucket of money we all pay into to help the few who go through an emergency
Obviously you need administration to handle the bureaucracy and make sure no one is stealing from the emergency pot fraudulently
That being said, what I take exception to is the profit. Why, the ever loving fuck, is it ok to take more than your costs for this? Why is money intended for the public good funneled up to the ownership class?
Pay your people, pay out the coverage. The rest of the money has no business leaving the pot... Not to run ads, or to lobby lawmakers. Definitely not to end up in an unrelated person's pocket.
It's a case for a government run entity if I've ever seen one