> Insurance companies don’t care about the benefit, they just want the cost to be low, it’s not the same thing. Also underappreciated, at the end of the day:

> Insurance companies don’t care about the benefit, they just want the cost to be low, it’s not the same thing. Also underappreciated, at the end of the day: {insurance premiums} >= {average cost of care} The actuarial calculations don't change because they're concealed behind group-blended risk. If cost of care increases, premiums must increase as well.