Tag: health insurance
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Mental health parity laws were never enforced
Federal law requires insurers to cover mental health like physical health. The enforcement reality has been so weak it’s effectively a dead letter.
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Catastrophic-only insurance is the rational choice and almost nobody can buy it
Catastrophic-only health insurance is what most healthy people should buy and what almost nobody can. Regulation has effectively eliminated the rational option.
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The ACA saved millions of lives and entrenched the broken system that needed killing
The Affordable Care Act expanded coverage and saved lives. It also locked in the employer-insurer-hospital cartel that made reform necessary in the first place.
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Short-term health plans should be illegal
Short-term health insurance plans look like a bargain, then leave patients stranded when they actually need care. The product is structured to fail you.
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Insurance-driven 50-minute sessions are bad medicine
The 50-minute therapy hour exists because insurance pays for it, not because it’s clinically optimal. The format quietly limits what therapy can do.
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Employer-sponsored health insurance is the original sin of US healthcare
Tying health coverage to employment was a wartime accident that became permanent. It distorts the labor market, the insurance market, and patient outcomes.