<<If there is no provision to prevent this, than the insurance industy in the US will go bankrupt>
They won't go bankrupt, but they will raise everyones insurance rates the following year.
Their new financial formula is simple:
Estimated Expenditures + 15% overhead divided by number of policies. Insurance companys will now want to pay claims. This is totally opposite to good business practices.
The government, both federal and state will have to allow all increases because they have to insure the insurance company is solvent.
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