I am surprised most of this discussion doesn’t touch on the affiliates issue, and it makes me think people aren’t reading the article. The summary is that many

I am surprised most of this discussion doesn’t touch on the affiliates issue, and it makes me think people aren’t reading the article. The summary is that many of these insurance companies are creating shell companies that provide services to the main insurance company, and charge a lot for those things. So the profit of the insurance company remains low and meets regulations, while all of the ‘real’ profit is hidden in these affiliated companies. Maybe that is technically legal but it certainly does not seem to be what the law intended. It also seems suspicious that this report was not disclosed to the public, and that it took so long to respond to information requests. And it also seems odd that neither the insurance commissioner nor Governor De Santis have acknowledged these issues.