Tell me where it hurts, Mr. President.

What's killing you, Barack, is what's killing us all: an evil germ called "Medical Loss Ratio."

"Medical Loss Ratio" [MLR] is the fancy term used by health insurance companies for their slice, their take-out, their pound of flesh, their gross - very gross - profit.

The "MLR" is the difference between what you pay an insurance company and what that insurer pays out to doctors, hospitals and pharmacists for your medical care.

I've totted it up from the raw stats: The "MLR," insurance companies' margins, is about to top - holy mama! - a quarter trillion dollars a year. That's $2.7 trillion over the next decade.