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Former insurer executive warns vertical integration and MLR loopholes let insurers shift profits into owned providers

5569391 · July 31, 2025
AI-Generated Content: All content on this page was generated by AI to highlight key points from the meeting. For complete details and context, we recommend watching the full video. so we can fix them.

Summary

At a Senate HELP Committee hearing, Wendell Potter, president of the Center for Health and Democracy and a former insurance executive, testified that insurers' vertical integration and accounting workarounds are contributing to consolidation, higher prices and reduced patient choice.

At a Senate HELP Committee hearing, Wendell Potter, president of the Center for Health and Democracy and a former insurance executive, testified that insurers' vertical integration and accounting workarounds are contributing to consolidation, higher prices and reduced patient choice.

Why it matters: Witnesses argued that insurer‑owned provider entities and insurer‑owned PBMs allow companies to record intercompany transfers as medical spending under the Affordable Care Act's medical loss ratio (MLR) rules, enabling higher…

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