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The basics of Obamacare run contrary to Mccarran-Ferguson, but no one ever bothers to consider that. Congress and HHS Sebelius have run roughshod over the states and carriers from the beginning and carriers just rolled over and let them. For all intents and purposes Obamacare IS nationalized health insurance.
No rules followed...executive orders...change of rules mid stream...
Reserves aren't interesting at all. It's basically undistributed profit.
When the company closes up, reserves are used to pay any pending claims they are still responsible for. (The only claim policyholders have towards reserves.)
After that, it's part of the funds used to pay outstanding debts.
If anything is left, it's distributed to shareholders.
RWK, Ray was spot on. It seems you don't understand statutory reserves. Suggest you study risk and insurance 101. You won't find it in any of your "occupy" pamphlets.
As for the "carrier bailout money", those funds are committed to pay claims. Any excess, which of course will be nil, is already intermingled in the reserves.
But thanks for playing. We have a nice parting gift for you.