IIUC, UHC has a margin of 5.8% [1] with a denial rate of 32% [2]. I don't think you can offer insurance at the price that they do while having an honest denial

IIUC, UHC has a margin of 5.8% [1] with a denial rate of 32% [2]. I don't think you can offer insurance at the price that they do while having an honest denial rate. You may argue that you shouldn't offer insurance for a rate that doesn't cover actual incidence and I would agree but it seems to be their business model. [1]: https://www.unitedhealthgroup.com/content/dam/UHG/PDF/investors/2024/UNH-Q3-2024-Release.pdf https://www.unitedhealthgroup.com/content/dam/UHG/PDF/invest... [2]: https://news.ycombinator.com/item?id=42359122 https://news.ycombinator.com/item?id=42359122