Democratic Primaries

The reason is that they add value to whatever is offered and their profits flow into the economy while adding value of supply-chains and easy access for consumers.

Theoretically, GM can eliminate dealerships and sell directly to car buyers on line. Dealers are used and they make as much as 22% of the retail price. The dealers allow the consumers to test drive the vehicles and maintain an inventory so that one can drive off with a car instantly.

All retailers make a profit of 15 to 50% by displaying and selling items in stores. We can walk into Macy's and try out the clothes, accessories, shoes and perfumes before buying. We can also return the goods that we don't end up liking.

We hire real estate agents to seel a house and pay a 6-7% commission instead of selling it ourselves because the agents do the heavy lifting of advertising, marketing, showing the house and negotiating.

Health insurance companies are no different.