That makes no sense at all. If I bring in $1000 of premium and am required to pay $800 on delivery of care that leaves $200. That does not limit what I can give to the CEO. Because I can raise the premium to $1100. Now I have $880 on delivery of care, leaving $220. See how that works?
Also... please link us up to where you are getting your stats on the percent that goes to delivery of care.
You aren't a bad guy, but if you aren't even aware of new MLRs, then you really aren't ready for this discussion. Which goes back to your original statement re. sources you've 'checked thus far'. Where exactly have you checked? If you raise the premium to $1100, you still have to show why it was necessary in order to deliver the care.
If 80% of premium dollars MUST go to delivery of care, then all the rest....dividends, advertising, CEO pay, lobbying, etc...comes out to the 20%. If you have insurance now, you've probably already gotten a rebate check from the company if they fail to meet the requirement.
Link us up to your data on this as well please. Insurance companies profit margins are not typically excessive (at least the publicly traded ones we know about).
Well, CEO pay/bonus, lobbyists, ads, graft, etc. are all tax deductions. So if you've been listening to right wing morons who claim the 'profit' margin is only 2%-3%, you need to define 'profit'.
You do realize that many 'non profit' orgs rake in millions/year? Pretty easy to 'spend down', by giving the boss a nice raise.