They forego revenue in exchange for the loss control. It's economically equivalent. This is like those discussions of whether taxes that are charged directly to businesses are paid by the business or by their customers.
As for the other, I admit health care insurance has its own peculiarities that make it a distinct field of insurance. And, no, your last assertion is incorrect. I have the advantage of having actually worked in the group pricing department of a major health insurer, so I'm not just speculating here. In lieu of further banging my head against the wall, I'll point out that the syllabi for the SOA's actuarial exams are available to the general public - just look in the "education" section of their site.