cannot adequately compensate smaller, less efficient insurers (risk assuming health care providers), but can lock in profits and eliminate risk by passing its Claims Costs to more efficient insurers, and . If assumes all 's policyholders' Claims Costs, drops from = 0.015811, to = 0.015076. 's = 0.002849 drops to = 0.002844. and become larger, more efficient insurers by accepting 's risks, and can accept less than 85% of 's Earned Premiums, eliminate 's risk, and match, even exceed, 's pre-transfer probabilities of earning profits of at least 5%; or avoiding operating losses, on their entire portfolios.