On top of everything else, the broader context is missing. 40% of people covered by employer sponsored plans had less than $500 in claims in 2023 and half of those filed no claims. And that's an older, less healthy cohort than folks with ACA coverage.
www.ebri.org/docs/default...
ebri.org
Assistant AG for Fraud Colin McDonald: "Apparently 35% of people have never even used their Obamacare account for any health services. That is a statistical impossibility and it's because these are not real people seeking real care. These are fraudsters."