You do know that insurance companies are limited to the amount that they can spend on overhead and have to return excess premiums to those that paid them? So ye

You do know that insurance companies are limited to the amount that they can spend on overhead and have to return excess premiums to those that paid them? So yes, it hurt the insurance monopolies, and since they didn't have as much to spend on overhead (aka profit/bonuses) would have to raise premiums. Also what upgraded version has been released? I haven't found any PubMed/FDA studies mentioning any improvements nor any studies funded by the company. Can you point me to some?