I am an expat working in Switzerland. The American company I work for pays my health insurance here; however they are limited to only insurers the Swiss apporve of. I was interested to see the little brochure they sent me recently about the Swiss Health Care system. They break down the amount of each Swiss Franc that goes to what and it says they keep 5 centines for their profit. Interesting that US companies are having a hard time keeping it down to 20. I attached the page they sent here which shows it.