I'm not sure all of this is profit seeking caused given their small margins. It feels like it could be a down stream effect of business sustainability and compe

I'm not sure all of this is profit seeking caused given their small margins. It feels like it could be a down stream effect of business sustainability and competition. The bag is necessarily covered by those who have less long running health complications, and so you need to provide a competitive price to them so they pay in with you. The price offered when you don't need care becomes lower than the amount needed to cover everyone when you do. Which would incentive denials out of necessity as well.