That 80% problem also means that there's no incentive for an executive to reduce medical costs because that would then reduce the 20% hen can allocate to hensel

That 80% problem also means that there's no incentive for an executive to reduce medical costs because that would then reduce the 20% hen can allocate to henself. I'm pretty sure that's why UHC gives people on ACA $100 gift card just for visiting their PCP. That inflates the 80% bucket.