Thanks, you've just confirmed the original point that health insurance firms are a vastly larger part of our economy than they are of any other economy. The naive impression might be that they just impose a 5% rent on our health, because why not? That alone wouldn't account for our spending twice as much as any other nation for often inferior care. In fact, they distort the healthcare market in insidious ways, causing huge harms, just so they can extract their cut. Removing these firms from our economy, which we will do eventually because we'll have no choice, will restore far more than 5% to productive use.
Visit any health clinic, hospital, or doctor's office. If you count, you'll find that the office staff devoted to handling insurance rival those devoted to patient care. (It isn't strange for the former to outnumber the latter.) They're not just sending in claims. They're dealing with claims rejected for ever more specious reasons, figuring out alternative "codes" to forestall those rejections, verifying that patients have insurance, explaining to patients that the insurance they bought from daytime TV commercials doesn't actually cover anything, collecting old debts inherent to the "bill insurance first then send the patient a bill six months later" model, etc.
Obviously all of that is a giant waste that does nothing to make anyone healthier. But this is just the tip of the iceberg. With few exceptions, the costs of insured procedures are completely unknown at the time the procedures occur. It's no surprise that when consumers have no information whatsoever, the market doesn't properly allocate resources. (Sure, we can argue that healthcare shouldn't be provided via a market, but given that it is, that market should be somewhat functional.) Drug prices are also opaque, given the secret negotiations and kickbacks among drug marketers, insurers, healthcare executives, and regulators. The worst thing about USA healthcare, which causes most of the other problems, is the ferocious price inflation, and that is almost entirely caused by the way we use health insurance.
All of the things that insurers do, besides just paying, harm patients and make healthcare worse. They distort the market more than they extract rents from it. It's as if they have a great bonfire burning cash, and we should compliment them because they only shove 5% of the money in their pockets while shoveling the rest into the fire.