http://www.bloomberg.com/news/articles/2015-12-01/unitedhealth-says-it-should-have-stayed-out-of-obamacare-longer
the point of the health care act (obamacare) is to be non-profit with individual insurance or even with low margins profit insurance. This is only due to many ill of health people being pushed out from providing labor and/or individual plans; the profit is there but only if the system is understood to be of at a macro level, not of a product by product level type design.
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