It appears from the POV of the customer they’re giving away a free product that they spend tons of advertising to get you to buy, and it includes free stuff like preventive care. It has all the hallmarks of a scam but I can’t see who’s being scammed.
In: Economics
They get money from the government (and some from you by way of premiums), and they spend less than they take in. It’s that simple. How they allocate what they’re given varies from plan to plan, and it makes it look like they have freebies etc, but then they might deny actual coverage for medical issues you have or severely limit who you can see. They all get the same chunk of change from the government; they just all divvy it up in slightly different ways to differentiate themselves.
Who is being scammed? Taxpayers because they’re letting private companies skim cream off the top of public funds for healthcare.
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