Consider this: I seem to be just a collection of cells interacting in a complicated way. I know that I have subjective experience. We've observed that ant colonies, companies, countries, etc. have complex behavior beyond what any individual alone can do; do they also have subjective experience independent of their constituent individuals the way that I seem to have subjective experience independent of any individual cell in my body?
I think there probably is an answer to that question, but I don't know if it's possible to answer from the limited perspective of a human in the universe.
I would love it if there does turn out to be a good explanation I'm just not clever enough to come up with, by the way -- it would be fascinating! -- but I don't think biology alone is going to answer how subjective experience is derived from physical materials interacting. A complete theory of qualia should be able to answer whether an ant colony, a country, or a computer program (which could be simulated by other computer programs arbitrarily deeply) have their own subjective experiences in addition to why I perceive red the way that I do, and why it's not the way I perceive blue.