Big surprise: Trump's anti-Obamacare insurance plans are ripping people off. Short-term, limited-duration health insurance plans—Obamacare workarounds that do not have to comply to Obamacare—spend less than Obamacare-compliant plans on medical care, according to a data published last week in the National Association of Insurance Commissioner’s 2018 Accident and Health Policy Report, as Modern Healthcare reported. For every dollar paid in premiums on UnitedHealthcare’s short-term health plans, 37 cents are spent on medical claims. At Cambia Health Solutions, just 9 percent of premium costs go to medical care. The rest of the money goes to administrative expenses or is kept as profit. On average, the report found that, among the five health insurers that earn the most in short-term insurance premiums, 39.2 percent of premiums were going to pay for patients’ medical care. In other words, these so-called "junk insurance" plans are helping insurance companies more than patients.