> Obamacare requires that at least 80% of money must go to medical costs. Profits and administration come out of the rest. So the only way to keep profits risin

> Obamacare requires that at least 80% of money must go to medical costs. Profits and administration come out of the rest. So the only way to keep profits rising for insurance companies is to arrange for payments to rise at a predictable rate. IIRC, in Germany and Switzerland medical insurance is mandated non-profit, and can only meet the costs of running the company. The insurers could just give themselves high salaries, but to cover those premiums would need to be higher, which could cause the insured folks to seek out lower priced coverage.