Let's discuss Healthcare a bit

Ada, not arguing your post, but not the experience at my company of 400, so might be a size difference. If we had a "bad" year, the next year rates would jump dramatically, yet never go down dramatically after a "good" year. We eventually became self insured with stop loss coverage, but that can be very risky for smaller groups that don't enjoy the statistical spread you mention; personally, I think even 10,000 lives is fairly risky. It got to the point where we had to curtail pay raises due to insurance costs, which wasn't fair to those not on the company plan.

Deluded DPST's still don't get the message -

There will Be NO Insurance Companies in the Healthcare business after Bernie/AOC take over.

They will be outlawed - and likely imprison the company CEO's out of spite.
Only No Care for nobody will be available - while Bernie, AOC and the rest of the DPST crew enrich themselves from teh Federal trough which would have gone to pay for care of indigent peopels!