[Medicare's fiscal crisis](https://www.marketwatch.com/story/social-securitys-woes-are-well-known-but-medicare-is-also-facing-a-fiscal-crisis-in-just-7-years-a5915c6d?mod=mw_rss_topstories) hits harder than Social Security because it's not an abstract entitlement problem — it's a direct margin hit on every hospital claim health insurers underwrite. An 11% payment cut to inpatient services forces either a) dramatic network renegotiation, or b) earnings guidance miss. Insurers know this.

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