[jmye]

You will still lose on the insurance front. If you’re on the exchange, you’ll get absolutely hammered by risk-adjustment. If you’re not, you’ll never be able to sell to anyone. You’ll have to lock up huge amounts of capital, which will grow as you grow, that you can’t invest or use. It will just sit in an account in case you can’t pay claims. You’ll have to accept horrible contracts with provider systems in order to have network adequacy, and none of them will care about coding your patients, or responding when you’re trying to fix your codes.

Health insurance is undisruptable, unless you’re ready to light billions of dollars on fire over several years, or take decades to do it by growing extremely slowly.

The provider side is equally difficult, but I think it’s at least doable. Though you’re still screwed having to deal with CMS or insurance carriers.

[inferiorhuman]

  Health insurance is undisruptable

Medical practices that may charge an annual fee but don't accept insurance — so-called concierge care are a thing. Not accepting insurance means you can operate with a significantly smaller support staff. Patients with a PPO style insurance plan may even have some of the expenses covered.

[nradov]

Concierge medicine can be a good option for affluent people who can afford it. But it only works with relatively low utilization and won't scale up to address any of the systemic problems in the US healthcare system.

[Projectiboga]

My wife's Doc tried that and quickly came crawling back to their patients who refused the $3,000 "concierge" fee here in Murry Hill Manhattan. If that model can't fly here I don't see where it could. Maybe affluent suburbs w fewer competitors?

[IG_Semmelweiss]

I agree with your statement in general terms. But you can't enter into the industry as a startup, to get stuck in the general crud of status-quo. You are supposed to be disrupting things, right?

The same applies to insurance. You can't take crap contracts that don't work for you, so maybe create a contract of your own based on 1st principles and going back to the definition of insurance.

[nradov]

That doesn't apply to health insurance. Due to HIPAA / ERISA / EMTALA / ACA and an alphabet soup of other federal and state laws and regulations a startup health insurance company would have very little freedom of action on creating new types of contracts. And this is an area where the laws are actually enforced.

[noitpmeder]

What's the path forward? Where do we go from here?

[blindriver]

Dump $1 trillion into Kaiser and push it out to all 50 states. I have it in Bay Area and it’s mostly been great for me. It’s not the best but it also gets 90% of things right.

[toast0]

Kaiser is the one thing I miss the most having left the Bay Area. It has sort of moved in here, but it took over an existing group and afaik, it's not really integrated like it was down there; there's no Kaiser hospitals here, so hospital care is going to be a mess, and I'm not sure if they have pharmacies either.

But, a lot of people don't like Kaiser. You have to be ok with getting good enough care, and not really be trying to seek 'the best' care. Integration is so nice though. I'm sure Kaiser never puts you in the situation where the Dr says I'm not sure which drug will be covered, let's try A, the pharmacist says A isn't covered, ask your Dr to write a script for B, and your Dr doesn't answer the phone so you have to decide to either pay $250 for A or wait over the weekend to start your kid's treatment.

[asadotzler]

There was a study comparing Kaiser Permanente with the UK's National Health Service (NHS) that found Kaiser achieved better performance at roughly the same cost.

If we could use tax dollars to make Kaiser national, and scale that large without losing the efficiency and results, we'd be in darned good shape.

Eliminate other private health insurance and if people want above and beyond service they can negotiate directly with providers and pay out of pocket for that.

[arethuza]

That comparison has a lot of criticisms, for example:

https://bjgp.org/content/54/503/415

[Angostura]

> There was a study comparing Kaiser Permanente with the UK's National Health Service (NHS) that found Kaiser achieved better performance at roughly the same cost.

Linky?

[tonyedgecombe]

>If we could use tax dollars to make Kaiser national, and scale that large without losing the efficiency and results, we'd be in darned good shape.

It's hard to do that without turning it into the NHS.

[swores]

As a Brit, that sounds like a positive not a negative, though I appreciate that in the US it might be a political negative.

[tonyedgecombe]

I don't know, the experience with my mother in law over the last few weeks has left me wondering about that.

I certainly don't want a free for all system like the US has (and I suspect the Tories want) but it isn't great at the moment.

[godisdad]

Kaiser in Oakland is without exaggeration the best medical care I’ve ever experienced. Aligning incentives between the care provider and the insurer, vertically integrating care and putting it all on a walkable campus (even with a pharmacy!!) was such an efficient and pleasant process.

I was never healthier. The other Kaisers in Oregon aren’t geographically collocated so there’s less of an effect and they’re far away from me so I don’t use them anymore, sadly

[doctorpangloss]

Asking doctors about Kaiser will be an eye opening experience for you.

[novok]

Psychology / Therapy: A horrible model that doesn't work properly. Limited to seeing patients once a month when they need it to be once a week, and constant fighting with the system by clinicians and patients. Overloaded schedules are ultimately unethical.

Doctors: It's like working for any other hospital; it's not bad.

[blindriver]

I know Kaiser doctors. They mostly like it at least in Norcal. They said Socal Kaiser wasn't as good. My own Kaiser doctor said that Kaiser has been pushing more and more work on her like taking notes, etc, and it's frustrating but as far as I can tell it's a lot better than dealing with insurance companies. She gives me everything I request, like endoscopy, MRI, CT scan, blood tests, prescriptions, etc. The only time I was rejected was when I asked to see if blood sugar monitor could be covered but that was rejected because I'm only pre-diabetic and not diabetic.

[rscho]

In what way? I'm curious, because I'm a European doc, and things are gravitating towards the US model around here.

[toomuchtodo]

Congress fixes this or we continue to drag ourselves towards worse failure modes.

[jmye]

Vote and legislate. Doesn’t even have to be federal, since the exchanges are state run. But it’s a highly regulated industry (for good reason, this isn’t a place where deleting laws helps normal people), so you have to fix the regulation. The ACA killing pre-existing coverage denials was a great start, but you have to fix risk adjustment before anything else can happen, as it’s literally just a wealth transfer from new entrants to existing behemoths (I think it was well intentioned, and works well in MA, but is completely broken in the commercial market). Reinsurance fixes to address the fund lockup would also probably help, but they’d be tax-expensive and probably untenable.

But it all starts with voting for people who want to fix it, and not for people who just want to burn it down or maintain the status quo.

[dennis_jeeves2]

Will be consider mostly irrational, but I'll mention it:

Learn medicine, and practice outside of of the mainstream clandestinely (a past real world example would be abortion clinics on ships). It needs a group of committed/smart people to pull it off, so not easy. Also it cannot be offered to the public at large for several obvious reasons.

As a general rule one cannot involve 'average' people in such an endeavor. All organization settle down to the lowest common denominator. When it come to large organizations in govt/health/etc. they are prone to increasing corruption and bureaucracy if average people are involved.

[whoitwas]

Educate humans (not possible because they have to want to learn). Abolish Citizens United. Stop funding insurance. Put the insurance money to healthcare for all.

[AtlasBarfed]

So my four pigs analogy, where insurance companies, drug/device companies, doctors/hospitals, and lawyers all feed at the trough, increase costs and point to someone else (although I will admit lawyers are probably the smallest cost component and the most blamed by the other three).

There is a fifth one that imposes costs: our comprehensively unhealthy food, health, and lifestyle in America that capitalism feeds upon with addictive high-margin food and drink, with overworked workers that can barely have time to raise kids (our healthy demographics are due to immigration) much less a healthy lifestyle. The entertainment complex certainly doesn't help either.

Providers: you need comprehensive family care to avoid specialist care being needed, an increase in supply of doctors, decreasing their educational loan burden (which strongly incentivizes specializataion, and a system that involves specialists). I think advanced AI systems can do much more day-to-day tracking and diagnosis/information, but of course that is a personal information nightmare. Actually I don't mean advanced. I think current AI is plenty good enough. Unfortunately only insurance companies will employ these systems or pay for them.

Insurance: Probably need a medicare-for-all option. We were close to this with Obamacare but FUCKING JOE LIEBERMAN killed it. Exhibit A in why the Democrats with full control of government will never get anything done.

Drug/Device companies: reduce patents, I don't know, maybe allow price negotiation (which is just mind blowing in a "free market" economy), reform the FDA to make bringing drugs to market cheaper.

Lawyers: caps caps caps so there isn't costly malpractice insurance. Maybe would also necessitate a federal review board to weed out "bad doctors".

But the biggest is probably governmental direction to actually get people to be able to eat and live active lives. Maybe GLP-1 will help, but the quiet time bomb of increasing obesity in Americans each decade is probably a sneaky large amount of our costs.

Otherwise, on the nihilistic side, keep doing whatever our society is doing which is causing men to kill themselves in huge rates (soma ... uh... I mean opioids were also doing this as well) before they reach their ultra-expensive late stage of life.

Anyway, none of that is happening (except, sadly, the nihilistic solution is the most realistically happening).

Maybe setup huge provider networks across the border in Mexico and Canada served by high speed transit, so large portions of the world get health maintenance in functioning health care systems, and only do hospitalization and emergency care here?

[basementcat]

> reform the FDA to make bringing drugs to market cheaper.

We recently tried this with some vaccines and now a large segment of the population is now vaccine-hesitant.

https://pmc.ncbi.nlm.nih.gov/articles/PMC10257562/

> Lawyers: caps caps caps so there isn’t costly malpractice insurance.

Caps don’t always result in improved health outcomes.

https://scholarship.law.georgetown.edu/cgi/viewcontent.cgi?p...

> Maybe would also necessitate a federal review board to weed out "bad doctors".

This exists; each state medical board has a procedure for reviewing medical licenses.

https://www.mbc.ca.gov/

[sverhagen]

Didn't Jon Oliver do a bit on those review boards, pointing out how friendly to fellow doctors they generally are? I think when someone says that we need "a (federal) review board", I think they mean one that works, one with teeth.

[franktankbank]

> We recently tried this with some vaccines and now a large segment of the population is now vaccine-hesitant.

Forced vaccination was the problem here.

[forgetfreeman]

> reform the FDA to make bringing drugs to market cheaper.

Uh, definitely not. The drug discovery and trial process is every bit as complex and expensive as it is for a reason. If you're serious about lowering the cost of getting compounds through the pipeline the first thing that should go is private equity's growing chokehold on the provider practices that perform clinical studies.

[refurb]

Upvotes for highly accurate summary.

The providers have leverage and the ones with the most will screw you over unless you’re big enough to throw some weight around.

I honestly don’t see much change unless the government comes in and sets new rules that actually make sense.

[jmye]

Yeah, agreed. It has to start from legislation. And that legislation has to also address education - we have to make it easier and cheaper to become a doctor or mid-level, or we have to start trying to import a ton of providers.