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this post was submitted on 27 Nov 2023
601 points (97.0% liked)
No Stupid Questions
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No such thing. Ask away!
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Their primary goal is to make profit for investors. They kind of also sometimes help people.
They kind of also pay out on the services you pay them for, it's not helping, it's just an obligation they haven't managed to dodge.
It's almost like there should be a not for profit option, perhaps if there were some large group of people who worked for everyone, and we're controlled by some sort of elected governing body.
I have had this fantasy. All health insurers be required to be 501(c)29. The non-profit definition for health insurers under the ACA.
A lot of insurance companies—arguably most of the ones used—are not for profit: American Family, COUNTRY, generally Blue Cross Blue Shield, Liberty Mutual, Northwestern Mutual, any other company with "mutual" in the name, USAA, Farmers, State Farm, Progressive, etc.
Hmm.. part of me is not convinced that those companies aren't benefitting in some way.. I mean, the employees do have to be paid don't they? What about the CEO? Is it just a passion project for them?
Yeah, obviously employees have to be paid like with anywhere. Those are business expenses. But at the end of the day, the amount of money they charge has to be equal to the amount it costs them.
You're right about that, I'm more weirded out by the salaries of the CEOs compared to the other employees. According to google the CEO of American family has a salary of around a million a year so.. someone is profiting from it.
The term non-profit just (to me) almost loses meaning when it makes people filthy rich but you're right, they are the lesser evil for the time being.
Really? Do you have a source for that?
For which ones? Most are mutual insurance companies, where any profit has to legally be paid back to the customers.
https://www.investopedia.com/terms/m/mutualcompany.asp
That is awesome thanks! I was unaware.