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Health insurance. UnitedHealth has a blatant vertical monopoly that needs to be dealt with.
To add info, Optum is owned by United. So, you could see your provider at an Optum Clinic, get a prescription from OptumRx, pay your co-pays with your OptumBank HSA, and, of course, your insurance is from United Health. So, literally no part of that interaction left the UnitedHealth ecosystem. And they claimed a profit from every single one of those interactions.
It's why I laugh at grocery stores trying the propaganda of, "Well we need to pay this much to that and this and that" as if they don't own a huge chunk of that vertical chain