[eecks]

Aren't health insurance companies losing money by paying out? It's in their interest that their paying customers stay in good health.

[agentdrtran]

alternative, it's in their interest to make paying out as difficult and byzantine as possible.

[epanchin]

I understand it as - premiums are limited by law as a multiple of payouts. The more they pay out, the higher premiums they can charge. So, peversly, the more they pay out, the more they can make.