@DavidToft_

Founder @OrioleHealth. Formerly @Optum, @AdvisoryBd. Working on modeling healthcare specifically, complexity generally

Portland, ME
Joined November 2022
Atomic Habits is context engineering
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We should be spending 20% of GDP on health. What do we have that's more important than our health?
🤖 Made with AI
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The game of telephone between eng -> EVP level means executives are getting like 30% accurate information Not 30% of the accurate information Information that's 30% accurate
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The idea is to get rid of out-of-the-money put options. They are just prepaid forward contracts
Replying to @nataliedavismd
The goal is to get rid of insurance companies. Your premiums are just prepayments on future care.
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The average American will gladly spend $30,000 on a kitchen remodel but view a state-of-the-art labor and delivery team's $12,000 bill to deliver their baby, take care of it + their wife for 3 days a made-up number. Proof the number is made up? Hospital writes it off as bad debt after months of refusal to pay. Willing and required to take care of you when you show up at their door. Unwilling or blocked from reporting your bad debt to credit agencies. This makes their fee "made up." They're supposed to know whether you're going to need a c-section ahead of time so they can price it accordingly. Or charge vaginal deliveries + c-sections the same, so no one gets surprised Americans feel entitled to free healthcare. But of course nothing is free. So for the economics to work it must be garnished from their wages, like every other essential service
Hospital bills are just made up numbers, right? When we had our 3rd baby, the bill was $12,674 (after insurance) I tried for weeks to negotiate (22 emails) but they wouldn’t budge. I figured I’d have more leverage if I waited until the end of the year to negotiate. So on 12/30 I sent an email offering to pay $10k if they would clear the balance. My hope was that they would be focused on closing out accounts and might be more willing to make a deal. On 12/31 the finance office called and took me up on it. Saved +20%.
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It's July 2026. Who's selling the .AndrewHubermanPod.md?
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As long as humans are defining the cracks, humans will need to ensure stuff isn't falling through them
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It is all co-written with the latent space. It always was
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Something only engineers from Maryland have appreciated: only state with apostrophes in county names
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Maine House Votes to Pause "Steam Manufactories" ​Lawmakers heroically approved a bill to ban these terrifying, newfangled "steam-powered" facilities until November 1827 to properly study their impact on the local firewood supply. The bold move comes as these iron beasts face fierce backlash over their excessive coal use and failure to create enough back-breaking manual labor.
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If it's a "gratuity charge" is it truly a tip? Is it taxable?
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Someone should do @ThisOldHouse but with AI tools + projects
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Has anyone written a cookbook called "Bake, Broil, and Steel" yet?
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Go big. Do the big sh*t.
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The coaches who won the most games also lost the most games. There's a lesson there
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Contrarian investing is like running a rocket company. But rather than fixed laws of gravity, counter forces are governed by fickle human emotions Trading the trend is like sailing heavy seas
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Religion is a Wittgenstein Ruler. It says more about us than it does the creation of the universe or afterlife @nntaleb
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