I'm not sure what you are referencing with the 20% cut remark, but there isn't harm to health insurance companies (actually, providing care through medicare adv

I'm not sure what you are referencing with the 20% cut remark, but there isn't harm to health insurance companies (actually, providing care through medicare advantage may be an issue...) if everyone is extremely healthy. Then the main costs truly would be the unpreventable diseases, most of which come unexpectedly. This is the exact market that works for risk pooling!