To be clear, I'm not blaming the ACA for increased healthcare costs. Most people get insurance that is self-funded by their employer where the mandated loss rat

To be clear, I'm not blaming the ACA for increased healthcare costs. Most people get insurance that is self-funded by their employer where the mandated loss ratio doesn't apply. The incentive for insurers to overpay for care has always existed, but the loss ratio mandate makes it easier to illustrate.