[gabeh]

This is called Medical Loss Ratio (MLR), the thinking was to limit healthcare companies from charging exorbitant rates for "profit" and not care. It got strange though because "cost of care" also included wellness programs. So what do you think these insurance companies do coming into the year end when they are under their estimates for care? A) Refund premium dollars to their members, HA! or B) Spend millions of dollars in the last days of the year building step counting programs and other half-baked wellness efforts

Healthcare in America is terminally ill. In it's current form, commercial insurance, like Aetna in this article, are rewarded for pumping up the total cost of care as big as possible while keeping their members just healthy enough to dump off at the doorstep of medicaid when they're old enough to qualify for it.