care. not bringing down premiums and out of pockets but he said riching the shareholders. >> the affordable care act includes a rule that insurance companies must spent at least 80% of the money made from premiums ss on health care cost and improvements. the other 20% can go to administration, marketing and profits. last year united health rurm more than 5 billion in dividends to shareholders and other companies have done the same. >> if you want to talk about the drivers and why deductibles are up, health insurance company, profits, they're a piece of it. but pretty small piece of it. >> it's part of a bigger debate about health care spending which has soared in recent years. prices set by providers like hospitals, doctors, and pharmaceutical companies are going up. even as fewer americans have accessed medical services during the pandemic. administrative costs alone make up more than aer quaf u.s. health care spending. >> the for profit companies are taking on an ever greater role