{"id":20,"date":"2025-01-09T02:34:39","date_gmt":"2025-01-09T07:34:39","guid":{"rendered":"https:\/\/stopinsuranceabuse.org\/?page_id=20"},"modified":"2026-03-04T13:36:55","modified_gmt":"2026-03-04T18:36:55","slug":"home","status":"publish","type":"page","link":"https:\/\/carenotprofit.org\/zh\/","title":{"rendered":"\u9996\u9875"},"content":{"rendered":"

[et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_fullwidth_image src=”https:\/\/carenotprofit.org\/wp-content\/uploads\/2026\/03\/banner_3-scaled.jpg” alt=”Support home healthcare workers” title_text=”banner_3″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_fullwidth_image][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.27.6″ _module_preset=”default” background_color=”#411967″ custom_padding=”60px|0px|80px||false|false” custom_padding_tablet=”40px||40px||false|false” custom_padding_phone=”30px||30px||false|false” global_colors_info=”{}”][et_pb_row make_equal=”on” module_class=”align-center” _builder_version=”4.27.4″ _module_preset=”default” width=”90%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text content_tablet=”<\/p>\n

New York Is Giving Billions<\/span> to Insurance Company Middlemen. It\u2019s Time to Invest in Care<\/span>.<\/b><\/h1>\n

” content_phone=”<\/p>\n

New York Is Giving Billions<\/span> to Insurance Company Middlemen. It\u2019s Time to Invest in Care<\/span>.<\/b><\/h1>\n

” content_last_edited=”on|phone” _builder_version=”4.27.6″ _module_preset=”default” header_font=”|700|||||||” header_text_color=”#FFFFFF” header_font_size=”64px” width=”100%” custom_margin=”0px||||false|false” custom_padding=”0px||||false|false” header_text_align_tablet=”center” header_text_align_phone=”center” header_text_align_last_edited=”on|tablet” header_font_size_tablet=”50px” header_font_size_phone=”38px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” header_letter_spacing__hover_enabled=”on|desktop”]<\/p>\n

New York Is Giving Billions<\/span> to Insurance Company Middlemen. It\u2019s Time to Invest in Care<\/span>.<\/b><\/h1>\n

[\/et_pb_text][et_pb_text content_tablet=”<\/p>\n

The current Managed Long-Term Care system sends Medicaid dollars to largely for-profit insurance companies that increase costs without improving care.\u00a0<\/span><\/p>\n

The Home Care Savings & Reinvestment Act %91A2018A \/ S2332A%93<\/span><\/b> would stop this, and free up an estimated $3.5 billion a year for investment in fair wages, increased staffing and better working conditions for home care workers.<\/p>\n

” content_phone=”<\/p>\n

The current Managed Long-Term Care system sends Medicaid dollars to largely for-profit insurance companies that increase costs without improving care.\u00a0<\/span><\/p>\n

The Home Care Savings & Reinvestment Act %91A2018A \/ S2332A%93<\/span><\/b> would stop this, and free up an estimated $3.5 billion a year for investment in fair wages, increased staffing and better working conditions for home care workers.<\/p>\n

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The current Managed Long-Term Care system sends Medicaid dollars to largely for-profit insurance companies that increase costs without improving care.\u00a0<\/span><\/p>\n

The Home Care Savings & Reinvestment Act [A2018A \/ S2332A]<\/span><\/b> would stop this, and free up an estimated $3.5 billion a year for investment in fair wages, increased staffing and better working conditions for home care workers.<\/p>\n

[\/et_pb_text][et_pb_button button_url=”\/wp-content\/uploads\/2026\/03\/HCSRA.pdf” url_new_window=”on” button_text=”Download the Fact Sheet” button_alignment=”center” button_text_tablet=”View the Fact Sheet” button_text_phone=”View Fact Sheet” button_text_last_edited=”on|phone” _builder_version=”4.27.6″ _module_preset=”default” custom_button=”on” button_text_size=”24px” button_text_color=”#FFFFFF” button_border_radius=”30px” button_letter_spacing=”1px” button_font=”|||on|||||” button_use_icon=”off” custom_margin=”60px||||false|false” custom_padding=”||||false|false” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#411967″ button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#F9DA49″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.6″ _module_preset=”default” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.27.6″ _module_preset=”default” width=”100%” max_width=”100%” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.6″ _module_preset=”default” background_color=”#351258″ custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_blurb title=”$722M” _builder_version=”4.27.6″ _module_preset=”default” header_text_align=”center” header_text_color=”#F9DA49″ header_font_size=”60px” header_line_height=”1.5em” body_font=”–et_global_body_font||||||||” body_text_align=”center” body_text_color=”#FFFFFF” body_font_size=”18px” max_width=”360px” custom_margin=”|auto||auto|false|false” custom_padding=”60px|60px|60px|60px|false|false” global_colors_info=”{}”]<\/p>\n

In MLTC insurer profits in a single year, double the national average<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.6″ _module_preset=”default” background_color=”#612194″ custom_padding=”|0px||0px|false|false” global_colors_info=”{}”][et_pb_blurb title=”$3.5B” _builder_version=”4.27.6″ _module_preset=”default” header_text_align=”center” header_text_color=”#F9DA49″ header_font_size=”60px” header_line_height=”1.5em” body_font=”–et_global_body_font||||||||” body_text_align=”center” body_text_color=”#FFFFFF” body_font_size=”18px” max_width=”360px” custom_margin=”|auto||auto|false|false” custom_padding=”60px|60px|60px|60px|false|false” global_colors_info=”{}”]<\/p>\n

Estimated annual savings from switching to managed fee-for-service<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.6″ _module_preset=”default” background_color=”#832da4″ custom_padding=”|0px||0px|false|false” global_colors_info=”{}”][et_pb_blurb title=”1.47M” _builder_version=”4.27.6″ _module_preset=”default” header_text_align=”center” header_text_color=”#F9DA49″ header_font_size=”60px” header_line_height=”1.5em” body_font=”–et_global_body_font||||||||” body_text_align=”center” body_text_color=”#FFFFFF” body_font_size=”18px” max_width=”360px” custom_margin=”|auto||auto|false|false” custom_padding=”60px|60px|60px|60px|false|false” global_colors_info=”{}”]<\/p>\n

Projected shortage of New York home care workers by 2035 unless proper investment<\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.27.6″ _module_preset=”default” background_color=”#F9DA49″ custom_padding=”90px||100px||false|false” custom_padding_tablet=”80px||50px||false|false” custom_padding_phone=”40px||40px||false|false” global_colors_info=”{}”][et_pb_row module_class=”stakes-heading” _builder_version=”4.27.6″ _module_preset=”default” max_width=”530px” custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” text_font_size=”32px” text_line_height=”1.3em” header_text_align=”center” header_2_text_align=”center” header_2_font_size=”40px” background_color=”#411967″ background_layout=”dark” custom_margin=”||||false|false” custom_padding=”25px||15px||false|false” text_font_size_tablet=”26px” text_font_size_phone=”22px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”26px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

THE CASE FOR REFORM:
FOUR REASONS TO ACT NOW<\/span><\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_text content_tablet=”<\/p>\n

Large health insurance companies are
hurting New Yorkers.<\/strong><\/em><\/p>\n

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Large health insurance companies are
hurting New Yorkers.<\/strong><\/em><\/p>\n

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The MLTC experiment has failed New York\u2019s most vulnerable residents and wasted billions in taxpayer dollars. Here is the evidence:<\/strong><\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” custom_padding_last_edited=”on|phone” _builder_version=”4.27.6″ _module_preset=”default” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|tablet” custom_padding=”30px||||false|false” custom_padding_tablet=”60px||0px||false|false” custom_padding_phone=”40px||||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.6″ _module_preset=”default” custom_padding=”30px|30px|30px|30px|false|false” border_width_all=”2px” border_color_all=”#411967″ global_colors_info=”{}”][et_pb_blurb title=”Billions Wasted on Middlemen” use_icon=”on” font_icon=”||fa||900″ icon_color=”#411967″ image_icon_background_color=”RGBA(255,255,255,0)” icon_placement=”left” image_icon_width=”90px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” _builder_version=”4.27.6″ _module_preset=”default” header_level=”h2″ header_text_color=”#411967″ body_text_color=”#222222″ image_icon_custom_margin=”|20px|||false|false” global_colors_info=”{}”]<\/p>\n

The MLTC system funnels Medicaid dollars through insurance company pass-throughs that add administrative costs and profit margins without improving care. Switching to managed fee-for-service could save the state an estimated $35 billion over ten years.<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.6″ _module_preset=”default” custom_padding=”30px|30px|30px|30px|true|true” custom_padding_tablet=”30px|30px|30px|30px|true|true” custom_padding_phone=”25px|25px|25px|25px|true|true” custom_padding_last_edited=”on|phone” border_width_all=”2px” border_color_all=”#411967″ global_colors_info=”{}”][et_pb_blurb title=”Care Denied to Those Who Need It Most” use_icon=”on” font_icon=”q||divi||400″ icon_color=”#411967″ image_icon_background_color=”RGBA(255,255,255,0)” icon_placement=”left” image_icon_width=”90px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” _builder_version=”4.27.6″ _module_preset=”default” header_level=”h2″ header_text_color=”#411967″ body_text_color=”#222222″ image_icon_custom_margin=”|20px|||false|false” global_colors_info=”{}”]<\/p>\n

For-profit MLTC plans stay profitable by denying care to the most vulnerable New Yorkers and recruiting lower-need enrollees. This system rewards cost-cutting over quality, leaving seniors and people with disabilities without the services they rely on to live safely at home.<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” custom_padding_last_edited=”on|phone” _builder_version=”4.27.6″ _module_preset=”default” custom_padding=”30px||||false|false” custom_padding_tablet=”30px||||false|false” custom_padding_phone=”30px||||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.6″ _module_preset=”default” custom_padding=”30px|30px|30px|30px|false|false” border_width_all=”2px” border_color_all=”#411967″ global_colors_info=”{}”][et_pb_blurb title=”No Transparency, No Accountability” use_icon=”on” font_icon=”||fa||400″ icon_color=”#411967″ image_icon_background_color=”RGBA(255,255,255,0)” icon_placement=”left” image_icon_width=”90px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” _builder_version=”4.27.6″ _module_preset=”default” header_level=”h2″ header_text_color=”#411967″ body_text_color=”#222222″ image_icon_custom_margin=”|20px|||false|false” global_colors_info=”{}”]<\/p>\n

Under the current structure, the state lacks reliable information about which agencies provide services, how much workers are paid, and where Medicaid dollars ultimately go. This absence of oversight has enabled wage theft, consumer steering, and widespread abuse of the system, all while insurers pocket hundreds of millions in profit.<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.6″ _module_preset=”default” custom_padding=”30px|30px|30px|30px|true|true” custom_padding_tablet=”30px|30px|30px|30px|true|true” custom_padding_phone=”25px|25px|25px|25px|true|true” custom_padding_last_edited=”on|phone” border_width_all=”2px” border_color_all=”#411967″ global_colors_info=”{}”][et_pb_blurb title=”New York Is Running Out of Time” use_icon=”on” font_icon=”||fa||900″ icon_color=”#411967″ image_icon_background_color=”RGBA(255,255,255,0)” icon_placement=”left” image_icon_width=”90px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” _builder_version=”4.27.6″ _module_preset=”default” header_level=”h2″ header_text_color=”#411967″ body_text_color=”#222222″ image_icon_custom_margin=”|20px|||false|false” global_colors_info=”{}”]<\/p>\n

Federal cuts to Medicaid are threatening critical health services across the state. To protect residents, New York must act now to end wasteful pass-throughs and find responsible savings that can be reinvested to meet the growing demand for home care.<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” disabled_on=”off|off|off” module_class=”pl-20″ _builder_version=”4.27.6″ _module_preset=”default” background_color=”#411967″ background_image=”https:\/\/carenotprofit.org\/wp-content\/uploads\/2025\/01\/banner-black-white.webp” background_blend=”multiply” custom_padding=”150px||150px||true|false” custom_padding_tablet=”100px||100px||false|false” custom_padding_phone=”60px||60px||true|false” global_colors_info=”{}”][et_pb_row module_class=”p-0″ _builder_version=”4.27.6″ _module_preset=”default” width=”90%” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” background_color=”#411967″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” text_font=”|700|||||||” text_text_color=”#ffffff” text_font_size=”32px” text_line_height=”1.2em” header_2_text_align=”center” header_2_text_color=”#ffffff” header_2_font_size=”64px” background_color=”#222222″ text_orientation=”center” custom_padding=”35px|20px|40px|20px|false|false” custom_padding_tablet=”35px|20px|40px|20px|false|false” custom_padding_phone=”35px|20px|40px|20px|false|false” custom_padding_last_edited=”on|desktop” text_font_size_tablet=”26px” text_font_size_phone=”22px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”50px” header_2_font_size_phone=”38px” header_2_font_size_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n

VOICES OF SUPPORT:<\/span><\/h2>\n

What Legislators and Advocates Are Saying<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” background_color=”#FFFFFF” custom_margin=”0px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][dipi_carousel columns=”1″ loop_wide=”on” autoplay_wide=”on” pause_on_hover_wide=”on” autoplay_speed_wide=”7000″ navigation=”on” navigation_prev_icon_yn=”on” navigation_prev_icon=”#||divi||400″ navigation_next_icon_yn=”on” navigation_next_icon=”$||divi||400″ navigation_size=”44″ space_between_tablet=”” space_between_phone=”30″ space_between_last_edited=”on|phone” container_padding_tablet=”15px|15px|15px|15px|false|false” container_padding_phone=”|0px|0px|0px|false|false” container_padding_last_edited=”on|tablet” navigation_tablet=”on” navigation_phone=”off” navigation_last_edited=”on|phone” navigation_position_left_tablet=”” navigation_position_left_phone=”-66px” navigation_position_left_last_edited=”on|phone” _builder_version=”4.27.6″ _module_preset=”default” desc_font=”–et_global_body_font|600|||||||” desc_text_align=”left” desc_font_size=”22px” desc_line_height=”1.4em” background_color=”RGBA(255,255,255,0)” width=”70%” width_tablet=”85%” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”center” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”30px|5px|0px|5px|false|true” desc_font_size_tablet=”20px” desc_font_size_phone=”18px” desc_font_size_last_edited=”on|phone” global_colors_info=”{}”][dipi_carousel_child label=”Barnett” desc_text=”<\/p>\n

I love being a caregiver, and that\u2019s why I do this work, but home care workers often live paycheck to paycheck. And while workers like me struggle, the state has been giving billions in taxpayer money to for-profit insurance companies. New York must remove these greedy middlemen and allow caregivers like me to earn a living wage while providing quality care to clients in their own homes.\u201d<\/em><\/p>\n
\u2014 Alice Barnett<\/div>\n
1199SEIU Member, Home Health Worker<\/div>\n<\/div>\n

” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][\/dipi_carousel_child][dipi_carousel_child label=”Jobsis” desc_text=”<\/p>\n

I had a nurse visit my house and approve me for 40 hours. The insurance company slashed it to 20 hours for no reason. There is nobody to call. They replaced my lead care manager at least three times a month. There is at least 45 minutes of waiting on hold to speak to anyone. So this concept that private insurance is more efficient is a lie. I know my life is worth more than a profit line.\u201d<\/em><\/div>\n
\u2014 Sage Jobsis<\/div>\n
Home Care Consumer from Rosendale<\/div>\n

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This is a failed experiment. One we have to do away with, and the way we\u2019ll do it is to pass this bill.\u201d
\n<\/em><\/div>\n
\u2014 State Senator Gustavo Rivera<\/div>\n
Chair, Senate Health Committee<\/div>\n

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This legislation has the power and scope to cut through all the greed, red-tape and mismanagement that accompanied the decision to privatize the administration of Home Care Services in 2011. In doing so, we will save billions of dollars, increase the quality of care to patients and the quality of life for home care workers.\u201d
\n<\/em><\/div>\n
\u2014 State Senator Cordell Cleare<\/div>\n
Chair, Senate Committee on Aging<\/div>\n

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I’m proud to sponsor the Home Care Savings & Reinvestment Act which will generate annual savings to help pay for growing home care needs, improving service quality, and ensuring continuity of care. I hope that we\u2019ll take this important step to help New York\u2019s home care worker shortage.%22
\n<\/em><\/div>\n
\u2014 Assemblymember Amy Paulin<\/div>\n
Chair, Assembly Health Committee<\/div>\n

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FOR YOUR OFFICE<\/h4>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#0d1749″ text_font_size=”32px” text_line_height=”1.2em” header_2_font_size=”48px” background_layout=”dark” custom_margin=”||35px||false|false” custom_margin_tablet=”||35px||false|false” custom_margin_phone=”||25px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”||0px||false|false” text_font_size_tablet=”24px” text_font_size_phone=”18px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”38px” header_2_font_size_phone=”32px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

This one-page briefing summarizes the case for the Home Care Savings & Reinvestment Act, including key data points and bill provisions. Share it with colleagues and staff.<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_url=”\/wp-content\/uploads\/2026\/03\/HCSRA.pdf” url_new_window=”on” button_text=”Download the Fact Sheet” button_alignment=”left” button_text_tablet=”View the Fact Sheet” button_text_phone=”View Fact Sheet” button_text_last_edited=”on|phone” _builder_version=”4.27.6″ _module_preset=”default” custom_button=”on” button_text_size=”24px” button_text_color=”#411967″ button_border_radius=”30px” button_letter_spacing=”1px” button_font=”|||on|||||” button_use_icon=”off” custom_margin=”30px||||false|false” custom_padding=”||||false|false” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#FFFFFF” button_bg_color__hover_enabled=”on|desktop” button_bg_color__hover=”#411967″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/carenotprofit.org\/wp-content\/uploads\/2026\/03\/NewYorkAssemblyChamber_Yellow.jpg” alt=”NY State Assembly
\n” title_text=”NewYorkAssemblyChamber_Yellow” force_fullwidth=”on” _builder_version=”4.27.6″ _module_preset=”default” background_color=”#F9DA49″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

New York Is Giving Billions to Insurance Company Middlemen. It\u2019s Time to Invest in Care.The current Managed Long-Term Care system sends Medicaid dollars to largely for-profit insurance companies that increase costs without improving care.\u00a0 The Home Care Savings & Reinvestment Act [A2018A \/ S2332A] would stop this, and free up an estimated $3.5 billion a […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"dipi_cpt_category":[],"class_list":["post-20","page","type-page","status-publish","hentry"],"yoast_head":"\nHome - Care Not Profit<\/title>\n<meta name=\"description\" content=\"New York Is Giving Billions to Insurance Company Middlemen. 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