Insurance companies did quite well this year. Here is their report thru 3rd quarter 2024.

[Xolodno]

8. You missed my point.

Sure the profit is built in. But what goes in expenses such as obscene salaries, bonuses, shareholder dividends, etc. could go into care of the patient and that WILL have an impact. I should know, I work in the insurance industry and no, I'm not stapling papers together, I've worked in Actuarial, Product on the Pricing side, Distribution and a few other areas.

Now if you want to still argue otherwise, by all means, but it doesn't mean your right. I have enough professional letters behind me to make me confident.