The Future of Health Insurance?

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Preparing for Dr. Big Brother

Bert Mesko

[By Bert Mesko MD PhD]

While futuristic technologies are becoming available in healthcare, patients often can’t access them and the cost of providing care continues to skyrocket.

However, innovations such as artificial intelligence (AI) and health sensors are set to reshape how healthcare insurance works and by doing so bring much needed reforms to healthcare as a whole.





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5 Responses

  1. 55% of Americans are Paying More Than Last Year For Insurance

    Morning Consult recently released results from a poll of registered voters. Here are some key findings from the report:

    • 1 in 4 Americans health worsened after delaying care because of cost concerns.
    • 30% said their health insurance coverage has gotten worse in the past year.
    • 1 in 4 lost access to their doctors last year due to insurance networks.
    • 19% said they went to urgent care centers and were sent directly to an ER.
    • 3 in 10 delayed emergency care in the past year out of fear of costs.
    • 55% said they are paying more for their coverage than last year.

    Source: Morning Consult, October 11, 2016


  2. CA Lawmakers Consider Dumping Health Insurers

    California lawmakers are considering an audacious proposal that would substantially remake the state’s healthcare system by eliminating insurance companies and guaranteeing coverage for everyone. The idea known as single–payer health care has long been popular on the left. It’s gaining traction with liberals as President Donald Trump struggles with his efforts to repeal and replace the Affordable Care Act.

    The measure would guarantee health coverage with no out–of–pocket costs for all residents of California, including people living in the country illegally. Private insurers would be barred from covering the same services, essentially eliminating them from the marketplace. Instead, a new state agency would contract with healthcare providers such as doctors and hospitals and pay the bills for everyone.

    Source: Jonathan J. Cooper, Associated Press via MDLinx [4/27/17]


  3. Health Insurance

    Three-fourths (74%) of higher income Americans (making $75,000 or more) are also more likely to have health insurance provided by an employer.

    Only 31% of lower income Americans (making less than $35,000 per year) report having health insurance provided by an employer.

    Of those Americans on employer-sponsored health insurance, 43% have plans that just cover themselves and 57% have plans that cover themselves and other members of their family.

    Source: Securian


  4. 43.8% of Adults Were Insured Through an Employer In Q2 2017

    Gallup and Sharecare recently released a report on health insurance trends. Here are some key findings:

    • In Q2 2017, 43.8% of adults were insured through an employer.
    • 2.4% of adults were insured through a union.
    • 1 in 5 were covered by a plan fully paid for by self or family member.
    • 4.7% of adults were insured through a military/veteran’s plan.
    • The uninsurance rate for Q2 of 2017 was 14.2%.
    • 9.2% of adults were covered by Medicaid.

    Source: Well Being Index, August 2016


  5. A.I.

    If you’re like most people, calling an insurance company isn’t among your favorite activities. That’s because the insurance industry is one of the least innovative areas for customer experience. Customers typically come away from their interactions dissatisfied.

    However, things are definitely changing, and artificial intelligence is playing a large role. The fast-growing technology has the potential to disrupt the entire industry and greatly improve the insurance customer experience.

    Hope Hetico RN MHA


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