[random314]

I was talking about US insurance where profit percentage is fixed, hence reducing bottomline reduces profits.

[GeckoEidechse]

Well the article is a about German health insurance so without mentioning it explicitly it's not clear that you were talking about the US system :P

[defrost]

There's more to the world than the parochial ways of central north america so such locale specific observations deserve to be qualified for the benefit of the wider HN readership.