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

Post by butvacuum » Sat, Jan 10, 2026, 3:12 PM UTC

monooso wrote: post #62

lotsofpulp wrote: post #34

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.

Not a US citizen, so a genuine question: do US health insurance companies have a track record of passing on such savings to consumers? That has not been my impression as an outside observer.

Post by simianwords » Sat, Jan 10, 2026, 3:15 PM UTC

Post by simianwords » Sat, Jan 10, 2026, 3:19 PM UTC

Flatterer3544 wrote: post #80

simianwords wrote: post #71

Earlier quoted context omitted.

Can you explain the exact way in which this is possible? It’s not legal to be denied jobs based on health. Not to deny insurance

And how would you know what they base their hiring upon? You would just get a generic automated response.. You would not be privy to their internal processes, and thusfar not be able to prove wrong doing. You would just have to hope for a new Snowden and that the found wrongdoings would actually be punished this time.

Post by trollbridge » Sat, Jan 10, 2026, 3:20 PM UTC

simianwords wrote: post #71

trollbridge wrote: post #18

Earlier quoted context omitted.

This sounds like excellent evidentiary material for a future insurer or government health provider to decide you're uninsurable, not eligible for a job, and so on. And the great thing about it is that you already signed all your rights away for them to do this exact thing , when we could have had an open world with open models run locally instead where you got to keep your private health information private.

Can you explain the exact way in which this is possible? It’s not legal to be denied jobs based on health. Not to deny insurance

Post by trollbridge » Sat, Jan 10, 2026, 3:23 PM UTC

lotsofpulp wrote: post #60

SpicyLemonZest wrote: post #51

Earlier quoted context omitted.

We agree that insurance is not the right way to handle health as a product, since some people predictably need much more medical treatment than others. But it’s how the US has chosen to do it, so we have to do it in a way that works. Correctly identifying a systemic issue won’t pay your medical bills.

That is not how the US has chosen to do it. The ACA prohibits using anything other than age, location, and tobacco use for premium pricing, and the ACA prohibits denying coverage (resulting in a wealth transfer from healthy to sick). Even the age rating factor is capped at 3, so there are also massive wealth transfers from young to old. Mathematically, health insurance premiums in the US are more tax than insurance p…