That may be true but wasn't on topic for the narrow bit I was adding - although the for profit aspect of most of medigap, MAP and D and the for profits that administer Medicaid certainly affects that part of Medicare/Madicaid toothe single biggest distorter of costs in the healthcare sector is Medicare/Medicaid. Anyone who "forgets" to mention the single biggest payor/distorter is not trying to have an honest conversation.