It looks like this does not even include the current disincentive for insurers to treat chronic issues effectively early on. Since people switch insurers so of

It looks like this does not even include the current disincentive for insurers to treat chronic issues effectively early on. Since people switch insurers so often the odds you will be their “customer” in 5 or 10 years is low, so investing if your long term health won’t generate a return for them.