Not that it accounts for all of the change. Or even a large portion. Then what is your argument??
Just that the rise isn't entirely due to waste.
No one argued that.
Even the most egregious health insurance policy abuses are generally something more than waste. Often, there's been an effort to enhance "choice" and "responsibility" but generally without understand that the average person simply has limited horizon for navigating such things.
It's not mere waste, it's mere corruption but a combination of multiple "perverse incentives" - effort to fuse government and private industry which aim for the best of all possible worlds but end in the worst.
"It begins with a blessing, it ends with a curse. Making life easy by making it worse 'My mask is my master', the trumpeter weeps But his voice is so weak, as he speaks from his sleep" Soft Machine
We face a challenging world today...