Home Health Care News October 3, 2025
Morgan Gonzales

Major health insurers have increasingly integrated care provider entities into their portfolios, including home-based care offerings – and are using their provider arms to inflate care prices and evade federal regulations.

Payviders, which include the likes of UnitedHealth Group (NYSE: UNH), Elevance Health (NYSE: ELV) and CVS Health (NYSE: CVS), often utilize a loophole that allows them to mask price increases and avoid paying potentially costly rebates to consumers, according to an article published in Health Affairs.

Medical loss ratio measures the percentage of premium dollars that a health insurer spends on medical care and quality improvement initiatives, as opposed to overhead costs or profit. The Affordable Care Act requires insurers to maintain an MLR of at least 80% in...

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