The amount of rebate in 2012 because of the medical loss ratio was negligible.<quoted text>
That's not the point, the point is that many people couldn't either afford or obtain insurance. This is supposed to solve that problem. That 80% of premiums must go to patient care should cover it.
I agree it's a flawed program. Only hope that eventually we will join the rest of the civilized world and have universal single payer healthcare for all.
This well is dry.
The numbers just don't add up and never will.