You're talking about two separate issues. The first issue, which I was addressing, was the significant cost that hospitals pay for uncompensated emergency room care.
You're talking about the requirement that the insurance company has to spend at least 85% of the premium on medical care. Let's use round numbers to make it easier. Say the premium is $10,000 and the insurer is currenctly spending 80% of that on care. That leaves $2,000 for costs and profit. Now they're required to spend 85%, so that leaves $1,500 for costs and profit. How do they get back to that $2,000 under your scenario? In order to make up the lost $500, they would have to increase their medical payments by $3,333 (because 15% of $3333 = $500). That means they would have to increase their payout to providers by a little over 40%. Do you think no one is going to noitice that? There are laws against price fixing and insurance bad faith, you know. And I'm sure there must be something in AHCA that puts some teeth into, too.