Expenses are irrelevant to the law, which looks at money in -> healthcare costs paid externally. Those expenses are internal and increasing them doesn't change

Expenses are irrelevant to the law, which looks at money in -> healthcare costs paid externally. Those expenses are internal and increasing them doesn't change the above at all, those expenses affect profit and that it. Insurance companies profits come from reducing expenses. Reducing claims doesn't change the profits in any way. Reducing claims means lower premiums, and that's it.