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ChatGPT Health is a marketplace, guess who is the product?

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Re: ChatGPT Health is a marketplace, guess who is the product?

#201

Earlier quoted context omitted.

These comments (on UHC, Aetna) always strike me the same way as complaining about the lack of inflight meal, baggage fees, or lack of WiFi, on, say, Spirit Airlines. You looked at the list of insurers/jobs offering health insurance carriers, selected the cheapest, or second-cheapest option, and you’re surprised they’re harder to work with? How?

Oh yes, because the vast majority of employers in the US say "pick whatever healthcare plan you want from whatever carrier you want, we'll make it work" and not "You'll get what you're given and be glad for it". Even in tech spaces with money to throw around, that just means that maybe your partner and dependent's premiums will be covered/negligible, or that your deductible will be low. You're still going to be fucke…

You’ve highlighted why I do not work for the vast majority of employers in the US.

Pay me enough in cash to secure my own wellness with whatever organizations I choose, or: next, please.

Re: ChatGPT Health is a marketplace, guess who is the product?

#202
post #12

ChatGPT has made a material difference in my ability to understand health problems, test results, and to communicate with doctors effectively. My wife and I were talking last night about how helpful it was in 2025. I hope that it continues to be good at this. I want regulators to keep an eye on this and make smart laws. I don't want it to go away, as its value is massive in my life. (One example, if you are curious:…

[deleted]

Re: ChatGPT Health is a marketplace, guess who is the product?

#203

Earlier quoted context omitted.

I certainly understand this perspective. But is it really so hard to imagine a world where your individual choice to "opt-out" or work for companies that don't use that info is a massive detriment to your individual life? It doesn't have to be every single company doing it for you to have no _practical_ choice about it (if you want to make market rate for your services.)

I live my life by the “Ben Kenobi” principal. I’m 51, when things go completely to shit, I’ll just go out and live as a hermit somewhere.

Ah the ol’ “fuck you got mine” approach

Re: ChatGPT Health is a marketplace, guess who is the product?

#204

Earlier quoted context omitted.

I certainly understand this perspective. But is it really so hard to imagine a world where your individual choice to "opt-out" or work for companies that don't use that info is a massive detriment to your individual life? It doesn't have to be every single company doing it for you to have no _practical_ choice about it (if you want to make market rate for your services.)

I live my life by the “Ben Kenobi” principal. I’m 51, when things go completely to shit, I’ll just go out and live as a hermit somewhere.

[dead]

Re: ChatGPT Health is a marketplace, guess who is the product?

#205

Earlier quoted context omitted.

If an insurer is able to reduce (or recoup) costs from likelier risks, then the remaining insureds benefit from lower premiums. If the goal is providing subsidies (i.e. wealth transfers), then insurance is not the way to do it. That is the government’s role.

Insurance that is maximally responsive to patient health changes in terms of cost (ie making healthier people pay less) ends up being an inefficient way of just having people pay for their healthcare directly. And it naturally means the people with highest premiums are the least likely to be able to afford it (the elderly, the disabled, those with chronic conditions that make them less likely to maintain high earning…

> Insurance that is maximally responsive to patient health changes in terms of cost (ie making healthier people pay less) ends up being an inefficient way of just having people pay for their healthcare directly.

That's true for predictable costs, but not true for unpredictable ones - which is the point of most insurance (housing, car, etc). The point and use of insurance is to move risk to entities that can bear it.

Utility is non-linear with money, and so you easily have situations where spending X times more on something "costs" you more than X times if measured in how useful the money is to you.

Typically, as you have more money, each further dollar doesn't provide as much benefit as the last (sometimes things are lumpy, the difference between "not quite enough to pay rent" and "just enough to pay rent" is huge, but broadly this is true). Going from $1000 to $10000 is more impactful than $1001000 to $1010000.

That means that moving the other way, each additional dollar spent has a greater personal cost to you.

Therefore, sharing unlikely but high expenses can mean that your expected cost is the same (if there's no profit/middleman) or a bit higher, but your expected personal cost is lower.

Re: ChatGPT Health is a marketplace, guess who is the product?

#206

Earlier quoted context omitted.

It seems like outcomes are probably K-shaped: those who are capable of critical thinking and deciding what type of information should be confirmed by a healthcare professional and what type of information is relatively riskless to consume from ChatGPT should have positive outcomes. Those who are prone to disinformation and misinterpretation may experience some very negative health outcomes.

I agree with that. The question I suppose is whether an LLM can detect, perhaps by the question itself, if they are dealing with someone (I hate to say it) "stable". Anyone asking how to commit suicide, as a recent example, should be an obvious red flag. We can get more nuanced from there.

> The question I suppose is whether an LLM can detect, perhaps by the question itself, if they are dealing with someone (I hate to say it) "stable".

GPT-5 made a major advance on mental health guardrails in sensitive conversations.

https://www.theverge.com/news/718407/openai-chatgpt-mental-h...

https://openai.com/index/strengthening-chatgpt-responses-in-...

Re: ChatGPT Health is a marketplace, guess who is the product?

#207
post #4

ChatGPT mostly refuses to talk health issues , while i have found Gemini is reasonably cooperative when asking for things like symptoms and treatments . This makes me not wanting to try out their new offering.

"While I can't provide medical advice..." is the 2025 version of "As a large language model trained by OpenAI..."

Re: ChatGPT Health is a marketplace, guess who is the product?

#209

Earlier quoted context omitted.

Doctors in Europe already use LLMs to treat you.

That sounds like the kind of hallucinated statement you might expect from ChatGPT. Which doctors, in which countries, are using LLMs to treat patients?

i’m not the person you replied to. but a quick google search is just as much effort (on your part) as replying with a sassy “this sounds like a hallucination”. A low value comment in my opinion.

I found this:

https://www.who.int/europe/news/item/19-11-2025-is-your-doct...

Quote:

> “AI is already a reality for millions of health workers and patients across the European Region,” said Dr Hans Henri P. Kluge, WHO Regional Director for Europe. “But without clear strategies, data privacy, legal guardrails and investment in AI literacy, we risk deepening inequities rather than reducing them.”

Re: ChatGPT Health is a marketplace, guess who is the product?

#210

Earlier quoted context omitted.

"passing on such savings to consumers" Absolutely not. They inflate prices by 200% and then give you 20% "savings" back. The whole idea of a health insurance company as publicly traded corporation is totally insane. They are designed to extract maximum profit from wherever they can get. The is no incentive to save money for patients. Any savings go to shareholders.

There are plenty of health insurers that are not publicly traded, and in fact are non profit, and yet they have the same premiums as the publicly traded ones. See Kaiser, Providence, Cambia, Regence, and the dozens of other BCBS affiliated plans. If your claims were true, then the publicly traded businesses would have no customers.

I would argue the non profit insurers are as profit oriented as the publicly traded ones.
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