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This new area of insurance coverage blossomed. At one level we insured 1 out 5 capitated sufferers in the United States. Many insurers jumped into the provider cease loss market and thus too many insurers have been chasing too few prospects. Consequently, the pricing of the coverage turned insanely cheap, and the capitated providers made a profit off their PSL yr after 12 months, at the expense of the insurers who targeting quantity reasonably than underwriting discipline.