> Getting ahead of this and trying to divert patients from this wasteful system is a fantastic and profitable idea for the insurer. We try to provide on-demand

> Getting ahead of this and trying to divert patients from this wasteful system is a fantastic and profitable idea for the insurer. We try to provide on-demand care whenever reasonable and possible. While it increases utilization of things like mental health and telehealth and wellness for us in the short-term, over the long-term it yields benefits in the overall health of the member (especially when considered across a whole population). > ACA The ACA brought approximately 40 million net-new insureds into the marketplace who were previously uninsured. It was/is a hugely ambitious law, with (I think) good intentions, that had (to your point) some unintended consequences. Also, many of the initial assumptions going in on the ACA turned out to be far too optimistic.