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How are American businesses being cheated by the Affordable Care Act and for-profit insurance companies? In large part, it is with the 80/20 rule insurance companies had inserted into the thousands of pages that make up the Act.  Republicans say they don’t like a rule that requires insurance companies to spend 80 percent of the premiums they collect on healthcare. They say limiting private health insurance companies to profits that do not exceed 20 percent of spending is unfair to business. The truth is, limiting profits to a percentage of spending rewards fraud, corruption, inefficiency, waste, and monopoly drug prices.  Why? Because the more heath insurance companies spend, the more profits they can collect.  If an insurance company collects $1 million in premiums, the company is limited to profits of $200,000. If the company collects $2 million in premiums and can spend $1.6 million on its clients medical expenses, it can have profits of $400,000. Therefore, every

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