Where does the money go?

This is why we need single-payer - no sweeteners needed to purchase insurance company approval. Single-payer is the only way to get costs in line with world-wide norms - and in time there will be no way we can escape that unless we decide that half our population can do without non-emergency health care.

A real public option is the only proposal that could possibly evolve over time into single-payer. That's why the Blue Dog Democrats and the Republicans are fighting so hard on behalf of their insurance industry sponsors to kill every competitive public option.