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Which were going up before reform. You still haven't addressed that.
The government didn't forcibly reduce the authorized operating captical, before Obamacare was passed.
But, again, with more people paying, then more are likely to be younger and healthier, therefore it adds to capital, and thus the market would provide enough to cover additional costs.
You can't cut operating capital, increase operating costs and expect anything other than an increase in premiums. To think that volume is going to displace the increase in operating costs in this situation is the dumbest thing that anyone could ever think of.
At some point common sense has to take over.