You clearly aren't a numbers person if you are so confused by what the 85% and 15% represent. The prior required split was 55/45%
Quit talking about that which you know not.
Health insurance companies must either spend 85% of the premiums paid on DIRECT care. If they spend only 80% than they must reimburse the 5% excess. No company wants to be in that position.
The problem isn't health insurance. It is about the cost of health care. People can get cheap health insurance and then they will get huge bills from providers when these companies cannot pay the providers as agreed.
As is quite a few of the Obamacare cheapie companies have gone broke and those who bought insurance from them now have to scramble to get it from elsewhere. I predicted this last year when some went on the usual ignorant rampage thinking that all is well, but for the insurance.
The conversation should be why is health care in the USA so expensive. Even Medicare/Medicaid is running broke.