[frollogaston]

But undercutting the other insurers/providers should earn you more, if it were competitive, which I guess it's just not

[estearum]

Correct, which is another reason why they are buying the healthcare providers. It allows the insurers (“pay-viders”) to strong arm independent doctors and smaller insurers out of the market.

[frollogaston]

Ok, I get it now. No other explanation has made sense so far, it's a cartel.