- US health insurers get more and more federal funding, deliver less and less care: Medicare Advantage will murder your grandparents – and you're next.
- Hey look at this: Delights to delectate.
- This day in history: None
- Colophon: Recent publications, upcoming/recent appearances, current writing projects, current reading
US health insurers get more and more federal funding, deliver less and less care (permalink)
The American healthcare system is the worst of all possible worlds. Unlike every other wealthy country, the US leaves its health insurance to the private sector, where your health and your life are a distant second to shareholder profits. But it's worse, because the majority of the money those terrible, "private" insurance companies "earn" comes from public subsidies.
In other words, the US has a privately run health care sector that is publicly financed, without any public accountability or duty to the public good. Insurance companies take ever more billions from the federal government and deliver ever less care to their customers.
Cigna-exec-turned-whistleblower Wendell Potter has just published a new report that breaks down the share of federal subsidies in the largest US insurers' bottom lines:
- Humana: 91%
- Molina: 89%
- Centene: 86%
- Aetna: 73%
- Unitedhealth: 72%
- Elevancehealth: 68%
- Cigna: 42%
See that? The vast majority of US insurers' income is public funding. That's because of Medicare Advantage, a privatized Medicare service that 27 million older people have been tricked into signing up for, which consistently delivers worse service with higher out-of-pockets, while billing the US government for billions.
You should not sign up for Medicare Advantage, nor let anyone you love do so. Medicare Advantage will deny you care you are entitled to and leave you to sicken and die, while draining the last of your savings in co-pays:
The insurers aren't done. They raised their prices by 24% in a single year:
Despite these massive profits, spiraling fees, and mounting premiums, the Biden admin is on track to let the insurers raise their prices again, though not by as much as originally announced:
You don't have to be on Medicare to be part of the health insurance scam. If you've got an Obamacare subsidy, you are helping to transfer billions in public money to insurers, even as these ACA plans grow steadily worse. ACA plans deny one in five claims:
Meanwhile, the out-of-pocket expenses your ACA insurer can rook you for just went up to $14,700/year:
ACA coverage is so poor that many of the people paying for it are best understood as "functionally uninsured":
ACA was sold as a brokered compromise between public healthcare advocates and private healthcare cultists. It created a situation where private insurers could grow larger, more powerful, more profitable, and less accountable to government, patients or doctors, so that care would steadily erode and prices mount.
ACA set the stage for Medicare privatization through Medicare Advantage. It was the template for the public-private-partnership from hell, teeing up a future where we finally get the wildly popular Medicare For All, but delivered by the same murdering profiteers who run the private system it was supposed to replace: Medicare Advantage For All.
As David Sirota writes in The Lever, Biden's 2020 campaign recognized this, and promised us a public option where "premiums could be substantially lower than those of private plans," but "Biden hasn’t once mentioned a public option since becoming president."
When Congress votes to give billions in public money to the health insurance industry, it also votes to give millions to itself – our legislature is awash in health insurance company dark money, and Democrats – including members of the Progressive Caucus – are carrying its water:
Giving for-profit insurance companies more public money will not translate into better care. The CEOs of every one of those publicly subsidized insurance companies took home more than $20 million in pay last year. 86% of Centene revenues came from the public coffers. Its (recently deceased) CEO Michael Neidorff paid himself $20.6 million.
It doesn't have to be this way. We know how to fix this. Biden laid it out in 2020:
Giving Americans a new choice, a public health insurance option like Medicare. If your insurance company isn’t doing right by you, you should have another, better choice. Whether you’re covered through your employer, buying your insurance on your own, or going without coverage altogether, Biden will give you the choice to purchase a public health insurance option like Medicare. As in Medicare, the Biden public option will reduce costs for patients by negotiating lower prices from hospitals and other health care providers. It also will better coordinate among all of a patient’s doctors to improve the efficacy and quality of their care, and cover primary care without any co-payments. And it will bring relief to small businesses struggling to afford coverage for their employees.
People are angry at their insurers, and justifiably so. Cigna isn't just raising prices and co-pays, it's committing mass-scale fraud: "exaggerat[ing] the illnesses of its Medicare members to obtain higher payments from the federal government." Also credibly accused of Medicare fraud: Unitedhealth and Elevance.
In 2019, I published Radicalized, a collection of four novellas subtitled "four tales of our present moment." The title story, "Radicalized," was frightening and upsetting to write, but I couldn't stop myself. It's a story about angry men who watch the people they love the most, slowly and agonizingly murdered by care-denying insurance companies, and who meet on message boards where they plot to murder health-care executives.
Having grown up in Canada and then spent more than a decade in the UK – and now become a US citizen – it's incredible to me that Americans tolerate this ghastly, worsening system. Not that I want to see terrorist violence! The very idea is sickening and terrifying.
But it is baffling to me that there are Americans who shoot each other over road-rage and yet as far as I know, the $20m/year vampire CEOs of profiteering, fraud-addicted insurance companies are living in comfort and safety.
It's one of the great paradoxes of the American psyche: all of that macho, don't-tread-on-me posturing turns to vapor when the person who's literally condemning your family to die is a distant corporate executive.
All that anger has to be out there, somewhere, channeled by cynical operators into scapegoating and nihilism. It's a ticking time-bomb. Imagine the political win that would accrue to the party that made saving your life and the lives of the people you love its political centerpiece. A party that met astroturf with naming names, hauling insurance execs into Congress to confront grieving mothers, fathers, children and spouses. A party that refused to let Lucy yank the football again with a "compromise" that gives us a privately managed, publicly funded service that only serves shareholders and executives.
Hey look at this (permalink)
- How Flashbots is taking over Ethereum block proposals https://protos.com/how-flashbots-is-taking-over-ethereum-block-proposals/
The Polyhedral Perspective https://publicdomainreview.org/essay/polyhedral-perspective
One trick Apple uses to make you think green bubbles are “gross” https://uxdesign.cc/how-apple-makes-you-think-green-bubbles-gross-e03b52b12fed (h/t Boing Boing)
This day in history (permalink)
#15yrsago First-ever patent-suit filed against Linux https://web.archive.org/web/20100505004628/https://www.groklaw.net/article.php?story=20071011205044141
#15yrsago HOWTO cite blogs in formal academic medical papers https://www.ncbi.nlm.nih.gov/books/NBK7266/
#10yrsago Videos from the HOPE 2004 conference: Jello Biafra, Woz, Schneier, Mitnick and more https://web.archive.org/web/20121030001822/https://www.2600.com/news/view/article/12284
#10yrsago UK surveillance bill: 19,000 letters opposing, 0 in favour https://web.archive.org/web/20121015000000*/http://blogs.computerworlduk.com/open-enterprise/2012/10/uk-snoopers-charter-19000-emails-against-0-in-favour/index.htm
#10yrsago Myhrvold patents 3D printing DRM https://web.archive.org/web/20121014042712/https://www.technologyreview.com/view/429566/nathan-myhrvolds-cunning-plan-to-prevent-3-d/
#10yrsago Scanning whole books is fair use https://arstechnica.com/tech-policy/2012/10/court-rules-book-scanning-is-fair-use-suggesting-google-books-victory/
#5yrsago How do you dump the firmware from a “secure” voting machine? With a $15 open source hardware board https://blog.adafruit.com/2017/10/11/ft232h-breakout-on-cspan-from-adafruit-used-to-dump-firmware-off-accuvote-tsx-securelyfitz-essvote/
#5yrsago Portland police stage bizarre sensory deprivation stunt against ICE protesters https://www.youtube.com/watch?v=iUKpfU04vKw
#5yrsago The US has quit UNESCO, the UN agency that protects world heritage sites and teaches poor children to read https://www.vice.com/en/article/gy5aj9/the-us-has-withdrawn-from-a-un-agency-that-teaches-kids-to-read-and-protects-ruins
#5yrsago China’s 1 percenters are now worth as much as the GDP of the United Kingdom https://www.scmp.com/business/china-business/article/2115040/chinas-richest-2130-people-control-combined-wealth-us26
#5yrsago Here are the three most common dishonest arguments used to derail universal healthcare proposals https://www.latimes.com/opinion/op-ed/la-oe-johnson-concern-trolls-single-payer-20170921-story.html
#5yrsago Yet another Trump official accused of defrauding taxpayers with dirty travel expenses https://www.cnn.com/2017/10/11/politics/zinkes-travel-continues-to-raise-ethical-questions/index.html
#5yrsago Trump’s FCC redefines “effective competition” to include having only one ISP in your county https://www.techdirt.com/2017/10/12/groups-battle-trump-fccs-claim-that-one-isp-market-means-theres-effective-competition/
#5yrsago Here’s what hospital food looks like in Japan https://web.archive.org/web/20171006062957/https://imgur.com/gallery/hq8rV
#5yrsago Chinese internet censors really enjoy the work https://www.scmp.com/news/china/policies-politics/article/2113377/its-seen-cool-place-work-how-chinas-censorship-machine
#5yrsago You are the elevator captain: a guide to Japan’s unspoken elevator etiquette https://medium.com/japan-init/elevator-etiquette-in-japan-3cab23474e8c
#5yrsago Equifax is serving malware to visitors https://arstechnica.com/information-technology/2017/10/equifax-website-hacked-again-this-time-to-redirect-to-fake-flash-update/
#5yrsago How the University of New Hampshire spun blowing a frugal librarian’s donation on a stupid football scoreboard https://deadspin.com/how-unh-turned-a-quiet-benefactor-into-a-football-marke-1819064622
#1yrago There are no corporate criminals in America: Because America doesn't have corporate crime prosecutions https://pluralistic.net/2021/10/12/no-criminals-no-crimes/#get-out-of-jail-free-card
#1yrago This Thing Between Us, a neck-hair-stand-up cuycuy horror: Gus Moreno's debut novel https://pluralistic.net/2021/10/12/no-criminals-no-crimes/#cuycuy
#1yrago India funded a starving kids' app, but not food: Solutionism at its worst https://pluralistic.net/2021/10/13/theres-an-app-for-that/#solutionism
#1yrago Adobe uses copyfraud to preserve spyware: A free-as-in-surveillance-free Flash installer is gone thanks to a bogus copyright claim https://pluralistic.net/2021/10/13/theres-an-app-for-that/#gnash
#1yrago Charter uses bad credit threats to corral ex-subscribers: "Resubscribe or we'll keep trashing your credit report." https://pluralistic.net/2021/10/13/theres-an-app-for-that/#thugs-charter
Today's top sources: Naked Capitalism (https://www.nakedcapitalism.com/).
- The Bezzle, a Martin Hench noir thriller novel about the prison-tech industry. Yesterday's progress: 500 words (49235 words total)
The Internet Con: How to Seize the Means of Computation, a nonfiction book about interoperability for Verso. Yesterday's progress: 516 words (45618 words total)
Picks and Shovels, a Martin Hench noir thriller about the heroic era of the PC. (92849 words total) – ON PAUSE
A Little Brother short story about DIY insulin PLANNING
Vigilant, Little Brother short story about remote invigilation. FIRST DRAFT COMPLETE, WAITING FOR EXPERT REVIEW
Moral Hazard, a short story for MIT Tech Review's 12 Tomorrows. FIRST DRAFT COMPLETE, ACCEPTED FOR PUBLICATION
Spill, a Little Brother short story about pipeline protests. FINAL DRAFT COMPLETE
A post-GND utopian novel, "The Lost Cause." FINISHED
A cyberpunk noir thriller novel, "Red Team Blues." FINISHED
Currently reading: Analogia by George Dyson.
Latest podcast: Sound Money https://craphound.com/news/2022/09/11/sound-money/
- Reboot Conference, Lincoln Network (Miami), Oct 13
Copyright Evidence: Synthesis and Futures – CREATe (Glasgow), Oct 17
Library Journal Day of Dialog (Zoom), Oct 20
Chokepoint Capitalism Event, Argo Bookshop (Montreal), Oct 23
Surviving Apocalyptic Economics, with Douglas Rushkoff and Rebecca Giblin, Ottawa Writers Festival, Oct 24
World Ethical Data Forum, Oct 26-28
Radical Book Fair/Lighthouse Bookshop (Edinburgh), Nov 10
Arthur C Clarke Award (DC), Nov 16
- Regulating the Online Public Sphere (Columbia Global Freedom of Expression)
Canadians Connected 2022 with Amber Mac:
Amazon Billing Amazon for Amazon (Trashfuture)
- "Chokepoint Capitalism: How to Beat Big Tech, Tame Big Content, and Get Artists Paid, with Rebecca Giblin", on how to unrig the markets for creative labor, Beacon Press/Scribe 2022 https://chokepointcapitalism.com
"Attack Surface": The third Little Brother novel, a standalone technothriller for adults. The Washington Post called it "a political cyberthriller, vigorous, bold and savvy about the limits of revolution and resistance." Order signed, personalized copies from Dark Delicacies https://www.darkdel.com/store/p1840/Available_Now%3A_Attack_Surface.html
"How to Destroy Surveillance Capitalism": an anti-monopoly pamphlet analyzing the true harms of surveillance capitalism and proposing a solution. https://onezero.medium.com/how-to-destroy-surveillance-capitalism-8135e6744d59 (print edition: https://bookshop.org/books/how-to-destroy-surveillance-capitalism/9781736205907) (signed copies: https://www.darkdel.com/store/p2024/Available_Now%3A__How_to_Destroy_Surveillance_Capitalism.html)
"Little Brother/Homeland": A reissue omnibus edition with a new introduction by Edward Snowden: https://us.macmillan.com/books/9781250774583; personalized/signed copies here: https://www.darkdel.com/store/p1750/July%3A__Little_Brother_%26_Homeland.html
"Poesy the Monster Slayer" a picture book about monsters, bedtime, gender, and kicking ass. Order here: https://us.macmillan.com/books/9781626723627. Get a personalized, signed copy here: https://www.darkdel.com/store/p2682/Corey_Doctorow%3A_Poesy_the_Monster_Slayer_HB.html#/.
- Red Team Blues: "A grabby, compulsive thriller that will leave you knowing more about how the world works than you did before." Tor Books, April 2023
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