[unusualmonkey]

> It's enjoyable to blame insurance companies, but the reality is their profits are capped by law - they are not the problem.

What a delightfully naive view.

Answer me two simple questions:

1) How are insurance companies profits capped?

2) How does increasing or decreasing costs affect thier allowable profits?

[ars]

1: Obama care: 80/20 rule.

2: Costs change nothing. But increased health care expenses do allow them to earn more (the 20).

[unusualmonkey]

So if increasing healthcare expenses allow them to earn more profits, then why do you think having capped profits means that insurance companies are 'not the problem'?

Insurance companies are incentivised, under law, to have the highest healthcare expenses possible.

[ars]

> Insurance companies are incentivised, under law, to have the highest healthcare expenses possible.

Yes, that is true. But it doesn't change the fact that prices will have to change at the healthcare providers. Dr.s will earn less, people will be fired as positions are eliminated. There's no other way to reduce prices.

Where do you think all that "incentivized" money is going? It's going to people in healthcare will either take a pay-cut or will lose their jobs.