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Indeed, they do. The ACA set a 80% requirement.

Unfortunately unintended consequences have resulted in that meaning it benefits health insurance companies to increase the cost of care so their 20% share is more.



Health insurance companies conspiring with each other and with providers to drive up costs is not an unintended consequence of the ACA, it is a predictable consequence of monopolistic collusion. Imagine saying "all the grocery stores are intentionally increasing the cost of eggs in order to increase their cut" -- that's just straightforward illegal behavior that should be a slam-dunk anti-trust suit. Don't blame the ACA for that.




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