this post was submitted on 24 Feb 2025
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Can a healthcare company CEO be a nice human ? Because for me the principle of the company is good I guess. i'm not american and most of our health expenses are handled by my country so I'm not USAn enough to understand.
The ACA (Obamacare) requires that health insurance companies spend at minimum 80% of their revenue on paying out claims, meaning profit is only what's left over from the remaining 20% after all other operating costs are addressed. They also need to reserve a certain portion of money to be available at hand for claims in case they exceed revenue for a period, similar to a bank. So unfortunately even a nonprofit health insurance organization is going to have high costs to its members simply because medical expenses are so high in America.