Why the ACA is the death knell of for-profit health insurance

[damonm]

6. FTA:

"And if reports are true, HHS isn’t screwing around. They actually mean to see to it that the insurance companies spend what is appropriate in taking care of their customers. Example: For months, health insurance brokers and salespeople have been lobbied to have the commissions they earn for selling an insurer’s program to consumers be included as a ‘medical expense’ for purposes of the rules. Also last November, the HHS gave them the official thumbs down on the inclusion. Essentially, the insurance companies wanted selling me a health insurance policy to count the same as providing me with the medical care to which I am entitled under the policy. Sales is, and always has been, clearly an overhead cost in every other legitimate business. If HHS had included this as a medical cost, it would have signaled that they are not at all serious about enforcing the concept of the medical loss ratio."