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I am not sure about that. Widespread ill-health that is managed not cured is funded by raising the rates. They got plenty of actuaries to take a "neutral positi

• satellite2 5y ago
  It's easier, cleaner and more profitable to promote risk limiting behaviors and to keep the rate similar, apply partial discounts or delay discounts
  • Ericson2314 5y ago
    I think there is a only a few band of middlebrow jobs in the US where employers are cost sensitive. I think most shit jobs won't give you good benefits either way (by various legal mechanism), and most good jobs will buy at at any most price or there will be elite rebellion. Thus, I conclude demand is is mostly (piecewise) inelastic enough that the increased profitability you speak of is thrown into serious doubt.