And after all the accounting of minuitae is done, after we pay for layers of actuaries, account administrators, and executives that rebalance all the groups and

And after all the accounting of minuitae is done, after we pay for layers of actuaries, account administrators, and executives that rebalance all the groups and variable, we end up paying a risk and profit optimized system price that is, on average, double other modern nations bills. And for the privilege of paying more than any other modern nation, we die earlier, exclude the poorest, and subject even those with that optimized insurance to bankruptcy should they need to exercise their benefit in a major medical episode.