Costs facing insurance companies

Private insurance companies in America are a business. All businesses have to make more money than they spend to maintain operations. Therefore, the insurance company operates in an environment where they will profit more if the cost of doing business is controlled.
This week, discuss the many costs facing insurance companies and discuss the techniques used to manipulate the cost of coverage (co-pays, deductibles, co-insurance, etc,) Discuss how these techniques impact the consumer.

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