Believe it or not there are many health plan administrative costs that help reduce cost (e.g. disease management, provider contracting) that improve the rates you and I pay.
These types of contracting vehicles are characterized by task orders with short vendor response times and minimal administrative cost to the end user agency.
The cost is obvious, while the main benefit avoiding a catastrophic downward cycle of contracting credit and recession is, mercifully, hypothetical, no matter how plausible.