To give some color: there were a large number of (small) insurance companies that were paying less than 50% of their revenues in actual medical payments. In tho

To give some color: there were a large number of (small) insurance companies that were paying less than 50% of their revenues in actual medical payments. In those cases most of the costs were in bonuses to the executives. This was a measure to kill of those (which it did). Now we are left with somehow controlling the excesses on the other side.