Since it's a company that would mean what's best for the shareholders. Don't worry. Lots of Americans don't understand this concept. Some CEO's don't even understand this concept.
The purpose of a company is to earn a profit for the shareholders. Plan your answer accordingly.
Make the most profit that is ethically and morally responsible for the company, the country, and the insureds.
(I do believe that even in the making of profits, companies, like people, should be ethical and morally responsible and "do no harm." This is the concept behind not price gouging in the midst of a disaster.)
Obviously, the best way, for the owners and the investors, is exactly the way things are done now.
IMO, health insurance should be non-profit - another government agency....but united with social security...
God Bless the Marine Corps.