The risk is predicated on the cost of the underlying service. What do I mean by that. A person needs stitches. The Er would charge 2k under traditional healthcare. Direct compensation practices allow the doctor to squeeze u in between patients at no additional cost. That's a more efficient way of delivering the service thus lowering the risk passed on in the form of premiums to consumers.


In the instance of cost what I'm saying is you have to look at the total picture. This year a #1 combo costs 1.00 next year a #1 costs 1.04. 4% inflation right?


You forgot to mention last year a #1 was a double cheeseburger this year its a single. So in reality what looks like 4% is actually a lot greater inflation.

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