system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5: The large health insurance companies are arguing that having only three major corporations controlling the majority of the market will be more efficient and bring down costs. How is this not an argument for single payer healthcare?
gpt
They're saying what they have to to reach their short term goals (merge or buy competitors, which is good for the business, but not necessarily for the consumer), they will turn around and say the exact opposite if it benefits them.

Technically, having a lower number of insurance providers could reduce paperwork for care providers, but when you remove competition, then the need to meet customer needs most efficiently starts to go away, so there's probably a sweep spot where the number of providers maximizes the benefits of competition and efficiency.