Comment by nradov
9 hours ago
You're really missing the point. Have you ever been in charge of employee benefits for a large group buyer? Obviously such plans aren't available to individual consumers but commercial carriers will absolutely customize products for larger customers.
timtim51251 wrote this:
> The actual reason commercial insurers pay more is that's the only way to can make more profits.
>Because of Obamacare requiring 80% of the money they collect to be spent, the insurance companies just get to keep 20%. So insurance companies spend more so they can collect higher premiums. That's how they make more money.
dmitrgyr wrote this:
> Ding Ding Ding. We have the correct answer. And this was a predicted consequence of that profit cap.
These statements indicate there should exist an insurance plan with a policy to pay for anything and everything. It does not matter what large self insuring employers choose to buy, as there are still significant number of people covered by non employer insured health plans.