Reply #45: Since the PO is estimated to be more expensive by design

[ipaint]

I guess that takes care of that. Sound like lobbying money was well spent.

As for that 85% MLR every touts as a victory:

Although medical loss ratios (MLR) (the proportion of premium revenue actually spent on medical care) are specified at a minimum of 85 percent, this loophole has been added–”while making sure that such a change doesn’t further destabilize the current individual health insurance market.” By way of comparison, the Senate Commerce Committee has found that the average MLR for the largest insurers in the individual market is only 74 percent, with 26 percent of premium revenue going to marketing, administrative overhead and profits.

http://pnhp.org/blog/2009/11/05/health-care-reform-2009-no-bill-is-better-than-a-bad-bill/


I believe the ins. companies consider anything that causes a profit loss "destabilizing change" to the market so it looks like, once again, that lobbying money is working as planned.