Claims:

The administrative costs include parts of the excessive salaries being paid to the glutted execs in these companies. Claims denial vs. claims investigation are not really the same thing. In the former some companies are engaging in form of fraud by reflexively denying all or most claims. These bastards need to be run out of business and the execs need to be hung up high for all to see...

No one is interested in insuring the sickest demographic. That has to be approached as a humanitarian project that we all take on. I'd suggest we add 1-2% or more to the fraud investigators in Medicare and Medicaid and then expand their roles to cover the high risk populations.