"Medical Loss Ratio" [MLR] is the fancy

From my London days writing for The Guardian, I can tell you the British do NOT have national health insurance. They have a National Health Service.

The government builds hospitals, hires doctors and, when you need the service, you just go and get it. It's kind of like the fire department. When your house is on fire, you don't call your fire insurance company, you call THE FIRE DEPARTMENT. We care first about the service, not the payment.