And, in a world where it is impossible to tell where work stops and personal lives begin, their owners feel entitled to stick them deep in the corporate network, loading them with all sorts of proprietary data.

FORBES: Surrender, Business Computing!

Appeals, contestations, audit cost (both provider and insurer driven), reconciliations, contract loading, software license costs, as well as general administration, network development, marketing, commissions and profit all are major factors why private insurance administrative costs are higher.

FORBES: The Myth of Medicare's 'Low Administrative Costs'