Glenn Patterson

We have no idea what healthcare costs to buy or costs to provide in this country. None. States cover Medicaid at some level, but not all offer the same care. Nor do they all receive federal support in the same way. Traditional Medicare requires supplemental and drug coverage. All of which differ by plan, and are offered by mostly huge conglomerates we should break up and are Too Big To Care Medicare Advantage is all offered by those same Too Big To Care conglomerates. Every contract with a provider differs and while those contracts have pricing that is transparent, the fees and other charges are not. 67 pct of employees that get coverage from work get it from a self insured employer. I can tell you with absolute certainty that most get it from the same conglomerates as well. As a results they have zero idea how much they are paying for medical care or medications (even with recent legislation) Every thing that is covered and paid for in this country has an actual cost, across the direct costs and indirect costs, that is hidden by the Too Big to Care conglomerates that should be broken up. Market Dominant hospitals and most non profit hospitals are not innocent. They play along when they have to, use their own leverage when they can. Increasing the cost of care. And the PBMs that are owned by the conglomerates have bastardized the cost of brand and specialty drugs in a way that should be investigated by the DOJ. Put simply , HUGE dominant distributors are forced by PBMs to pay RETAIL Price for drugs that make them unaffordable to everyone. If we want universal care, we can say the Feds will negotiate , but the information asymmetry is so insane, they will be negotiating blind. The first thing a bi partisan legislation should do is require that all healthcare contracts be made public with no redactions other than personal information AND All claims be de-identified and available exclusively to state and federal researchers to determine what care and medications COULD cost. Then we can start to extrapolate what care we need to provide and then determine what it costs and whether it will save or cost us money. In parallel we can determine how we will deal with the technology and processes to handle implementation of some version of universal care

Take the PDF of all your healthcare benefits contracts, including your broker or consultant, put it in your LLM and prompt each one with "Where are they fucking me over and what can I do about it " Take the output. Put the same pdfs into another frontier LLM, take the output from the first, and prompt " What did this analysis get right and wrong and what would you change " I do this across Claude,chatgpt, Gemini and grokbot. Till they mostly agree. They are better than your broker or consultant and can save you money and make sure the contracts are fair. Let us know what happens