Where does your health insurance premium go?

Thanks for that, it actually fits my expectations. The most of our health insurance money always go to physician services, the rest is on drugs and other types of treatments. I am not sure I understand the last part of our dollar though: do we really need administrative expense or operating margin or these are just excused that add to explain the high health insurance costs. I recently found an affordable Coventry insurance, I wonder if it contains all the five parts above.