@fms82216 I’ve researched this and here is the short answer:
“ When HMOs started to transform the medical environment I thought, “How can you make money off of sick people?” Turns out they had a profitable business plan: off-load administrative burdens (to doctors and patients), surreptitiously ration care by denying claims or pushing patients into/out of networks; buy up the competition; and contribute to politicians.” https://maryjaneosa.substack.com/p/grounded-for-a-year