"For months, health insurance brokers
and salespeople have been lobbying to have the
commissions they earn for selling an insurer's program
to consumers be included as a `medical expense' for
purposes of the rules. HHS has, today, given them the
official thumbs down, as well they should have. Selling
me a health insurance policy is simply not the same as
providing me with the medical care I am entitled to
under the policy. Sales is clearly an overhead cost in
any business and had HHS included this as a medical
cost, it would have signaled that they are not at all
serious about enforcing the concept of the medical loss
ratio."
