surge lol.
1) profit is a very good thing. of course these companies (like all companies and people) are out to improve their material situation.
2) healthcare in the us, particularly insured care (vs pre-negotiated cash), is so expensive because of u.s. government involvement. primarily distortion of the system through tax credits that began in WW2.
3) the reason health insurance is tied to employment is, again, a direct consequence of the WW2-era healthcare tax credit. Without this interference in the market, health insurance would be sold in a way similar to auto insurance or life insurance (primarily bought by individuals).
4) the money they paid is for coverage during the term of the agreement. if you believe this is 'pure profit' you just don't understand how insurance (as a concept) works.