profits. 80% min must go to provider payouts as you brought up to start this conversation. If less than 80% is paid out, the insurer must pay out a rebate to premium payers (as Optima had to do for me for 2018). Of that 20%, I would have to look it up, but I would guess profit runs in the 3-5% range. So, of that 15-17% being spent currently on buildings, operations, payroll, etc. (or less since they don't have to run 20% for operations and do operate under that), how much will going to Medicaid for All and how? Then please subtract the rise in costs for additional insureds, and additional services when we are no longer faced with $6000 deductibles (even more if Bernie's plan of no co-pays, no deductibles is your desire).