Who should I believe, the liberals or the insurance companies?

I don't know who to believe here. I don't know what the true rate of return is for insurance companies. This is important to know. If the liberals are right and insurance companies have a high rate of return they will be able to handle the increase in costs of insuring high risk people but if not and then they will have no choice but to pass those costs onto their consumers. The insurance companies figured that if young people who are healthy are required to carry health insurance the premiums that they pay will cover the costs of the high risk people.