and make no mistake...this is the ultimate goal of Obamacare.....so they can finally introduce full on socialized medicine.... The Bomb Buried In Obamacare Explodes Today-Hallelujah! - Forbes That would be the provision of the law, called the medical loss ratio, that requires health insurance companies to spend 80% of the consumers premium dollars they collect85% for large group insurerson actual medical care rather than overhead, marketing expenses and profit. Indeed, it is this aspect of the law that represents the true death panel found in Obamacarebut not one that is going to lead to the death of American consumers. Rather, the medical loss ratio will, ultimately, lead to the death of large parts of the private, for-profit health insurance industry. Imagine yourself as a small business owner for a moment...can you imagine having to run that business with only 15% of your gross sales? This to pay ALL salaries, office space, advertising, commissions to salespersons, insurance on your business, accountants to keep up with endless paperwork required by our government? Think you could do it? Of course not! Neither can the insurance companies!