Although the proposed regulations state that the private insurers must be non-profit organizations and that their surpluses must be used to increase outlays for medical care or provide more medical services to those they insure, some scholars still have their doubts.
雖然規定民營承保人必須是「非營利性的法人」，其盈餘只能用於提高醫療支付，或提供保險人更多醫療服務，不能轉做私人盈餘。