OK, single payer does save administrative costs but not ten times. This figure confounds categories. 30% (an old figure probably over a third by now) of *ALL* medical spending is spend on administration, including hospital administration, doctor's overhead and so on. The 3% figure is just for "insurance" portion of Medicare Still Canada, which is by no means the most efficient medical system in the world spends around 12% of total costs on all administration. So Single Payer still save about two thirds of administrative costs. And there are other savings, because SP has bargain leverage to by pharmaceuticals, equipment and supplies for less. It also is structurally more open to electronic records and all sorts of efficiency measures that lower cost and improve quality. So your basic point is correct, but it does not reduce administration by 90%.