Not really. Doctorology commands a high salary for very good reasons. It's a very stressful job....and it has a very high suicide rate. I already pointed out that health insurance is overhead. All of it. The whole thing. America's problem is not with health insurance, it is with health care. Oh, and you weren't far off. The margin is about 3.5%. The health industry makes very low profits; the dollar value is so large because the industry itself is so large.