Tag: health insurance
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High-deductible health plans are a wealth transfer from sick to healthy
HDHPs are sold as cost-saving and HSA-friendly, but the design quietly shifts costs onto the chronically ill. Here’s how the math actually works.
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Health insurance is the worst product Americans buy and we keep buying it
Premiums rise, networks shrink, denials stick, and we re-up every year. The product underperforms in ways that would sink any other industry.
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Pre-existing conditions complicate everything
Insurance, employment, life planning, and even relationships are quietly shaped by chronic illness. The system rarely accounts for what it costs to navigate.
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In-network vs. out-of-network is a manufactured fiction
Insurance networks feel like natural categories, but they’re contractual fictions designed to control costs. Here’s why patients keep losing in the system.
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Health insurance brokers are salespeople pretending to be advisors
Health insurance brokers market themselves as objective guides, but they’re paid by insurers. Here’s how the commission structure quietly shapes their advice.
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Medicare Advantage gives seniors more than traditional Medicare
Medicare Advantage’s flaws are real, but the program offers seniors benefits traditional Medicare doesn’t, and progressives won’t engage with that honestly.
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Christian healthshare ministries are unregulated insurance cosplay
Healthshare ministries look like cheap insurance, but they’re not insurance and not regulated like it. Here’s what members actually buy and what they don’t.