Healthcare costs the US $4.3T and 5 health insurers rake in over $851M of that.

20%.

5 companies.

What you are looking at is cash received but not yet paid out. Cash that these insurers have, but owe. Later.

That’s the whole game. The longer an insurer can wait to pay you out, the more money it makes.

What does that look like for you and me?

Denying MRIs ordered by your physician. Denying medications you need. Denying surgeries. Denying treatment that couldn’t be more medically necessary.

Denials for the sake of delay.

Sure, you owe that money, but not yet. What can you do with it to grow it before you owe it?

By the way, unrelated side note… let’s stop calling insurers, “payors.” They are processors. And gate keepers. It’s your money, not theirs. They don’t pay for anything. They take. You pay.