Do you think this is affecting insurance companies' profits? >Insurers that sell individual and small group health coverage must spend at least 80% of premiums

Do you think this is affecting insurance companies' profits? >Insurers that sell individual and small group health coverage must spend at least 80% of premiums on medical claims and quality improvements for members. No more than 20% of premium revenue can be spent on total administrative costs, including profits and salaries. For insurers that sell large group coverage, the minimum MLR threshold is 85%. >Insurers that fail to meet these guidelines (ie, they spend more than the allowed percentage on administrative costs, for whatever reason) are required to send rebates to the individuals and employers groups who had coverage under those policies. From 2012 to 2019, under the MLR rule implementation, insurers rebated $5.3 billion to consumers. https://www.verywellhealth.com/health-insurance-companies-unreasonable-profits-1738941 https://www.verywellhealth.com/health-insurance-companies-un... Insurance Companies probably see these extra costs as a good way to meet their spend targets. I was not able to find any source but have heard that the government is giving healthcare providers monetary assistance for Covid-19. Looking at those two factors and no-one has any reason to try and control cost.