When it comes to insurance "profits" I think the public is less than concerned. This will be a problem for incumbents but I'm fairly sure some new upstarts (the

When it comes to insurance "profits" I think the public is less than concerned. This will be a problem for incumbents but I'm fairly sure some new upstarts (the other part of ACA was lowering the barrier to entry) will find a way to make money off that 20%. And finally, you can always run your company as a non-profit, like Kaiser.