Comment by bonsai_spool

> if you punch into a chatbot questions about the employer pool insurance product, your comment is exactly how the chatbot characterizes it.

That's because it's the truth? I've taken graduate health policy classes from people like Don Berwick - I assure you that I did not and do not need to ask chatgpt to explain self-insurance to me.

> f course, "administrative sides of [health] insurance" includes...

How does this have anything to do with the fact that the self-insuring entity bears the risk for its insureds? The problem with the GP comment about 'giving money back to Apple' is that the money always belonged to Apple and its co-insurance / copays only exist to steer employee behavior.