I think this gets to part of the issue at UHC. People are filing claims, thinking it is covered, but it gets denied. I have read anecdotal reports that peopl

I think this gets to part of the issue at UHC. People are filing claims, thinking it is covered, but it gets denied. I have read anecdotal reports that people working in government roles with UHC insurance have switched to identical plans in the private sector and got much worse denial rates with UHC plans offering the same coverage. This fuels a completely speculative view that UHC might shift the 85% required healthcare costs towards favoring places where they may gain more market share and really shafting hard in other parts of the market. They can shit-can something like 15% of premiums so unequal allocation of that could lead disproportionately to some very pissed off people, even working within a system where profit is bounded by accepted claims. All of this would fit in well with a profit optimization strategy.