Everyone's focusing on (https://www.marketwatch.com/story/this-disease-is-more-expensive-than-cancer) as a long-term pressure story. But here's what the headline is really saying: healthcare scammers just cost Medicare and Medicaid *billions* in a single cycle, and private insurers are facing the same clawback risk. That's not a 5-year headwind — that's a margin shock happening right now. Insider selling spikes in healthcare are normal during cost inflation cycles.

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