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119 sats \ 3 replies \ @Signal312 23 Dec \ on: The Riddle of Luigi Mangione mostly_harmless
I'm happy to be switching to Crowd Health (https://www.joincrowdhealth.com/) for the new year. Crowd Health is "not" health insurance - you have to sign all kinds of papers saying that you understand that - but it works similarly. I think the people who join in Crowd Health will be much healthier than the norm.
Also, they'll soon have a "metabolically healthy" group there - I think they call it the Carnivore Crowd. This means everyone has to a have a certain healthy level of weight, insulin resistance, etc. Since metabolic disease (cause by excess carbohydrates, obesity, etc) causes at least 80% of chronic disease in the US, I should be much better off with those people as my co-insurers.
Every time I deal with regular normie health insurance or health care is an absolute nightmare. It leaves me practically rabid with anger at the system.
looks like cost sharing and crowd funding
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That's interesting -- I've heard of things like this before, would love to see updates as you exercise it. Although hopefully you don't have to exercise it.
Also, they'll soon have a "metabolically healthy" group there - I think they call it the Carnivore Crowd. This means everyone has to a have a certain healthy level of weight, insulin resistance, etc.
Huh -- this would probably be one of the reasons they'd be so insistent that they're not "health insurance" since this kind of selection is illegal to underwrite in health insurance, and is a plague of insurance markets: the young + healthy flee ("Nothing will probably happen to me") leaving only the old and ill to absorb all the risk, which defeats the point of insurance in the first place.
The "ethical" solution to this would be to leave the uninsured to die in the streets if they got unlucky / can't afford care, which is how you keep these markets honest. Most find that an unpalatable solution, though. I've also noticed that dedication to market principles around healthcare erodes substantially when a person draws the short stick.
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Adverse selection
Some doctors and clinics have decided to accept cash only, no insurance
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