I cannot find that quote in the article. I'm also struggling to follow your post. > They can raise premiums without paying more to hospitals. No, they cannot.

I cannot find that quote in the article. I'm also struggling to follow your post. > They can raise premiums without paying more to hospitals. No, they cannot. The ACA sets out an 80/20 split system. 80% of the premium must go towards medical services, leaving 20% of whatever the premium is for "admin" (e.g. salaries). This has had the unintended consequences of insurance companies trying to raise the cost of medical services in order to increase their slice of the pie.