Delay, Deny, Defend

It might be easier to make sense of the recent fatal shooting of an insurance CEO, an act with ominous overtones about health care costs and insurance coverage, if any one aspect of health-care finance in America had gotten dramatically worse. 

But what if there is no one thing?  

Everything in American health care seems to cost more, across the board, year after year. Millions of insurance claims get denied. Medical debt routinely drives patients into bankruptcy. And patients see no relief in sight. 

“Americans forgo necessary health care every single day, because they can’t afford it,” said Caroline Pearson, executive director of the nonprofit Peterson Center on Healthcare. 

Americans spend more out of pocket on health care than people in most comparable countries, the health policy nonprofit KFF found. In the United Kingdom, for example, out-of-pocket health care costs totaled $764 per person in 2022. 

“We don’t consume a lot more health care than other countries,” said Dr. Atul Grover, executive director of the nonprofit AAMC Research and Action Institute. “We just pay a lot more for each thing.” 

United Healthcare reported net income of $22.3 billion last year, had net income of $20.6 billion in 2022 after making $17.3 billion in 2021 and $15.4 billion in 2020. Before the pandemic United Health made $13.8 billion in 2019.

DelayDenyDefend: Why Insurance Companies Don’t Pay Claims and What You Can Do About It is a 2010 book by Rutgers Law professor Jay M. Feinman

Luigi Mangione Has Become A Social Media Folk Hero. The Glorification of Luigi Mangione Is Disturbing – But Not Surprising

Luigie Mangione is escorted into Manhattan Criminal court for his arraignment in the killing of UnitedHealthcare CEO Brian Thompson, Monday, Dec. 23, 2024, in New York.

Affordable Health Care

Luigi Mangione, the 26-year-old Ivy League graduate accused of gunning down UnitedHealthcare CEO Brian Thompson in front of a New York City hotel last week is probably guilty.

Mangione’s hatred for the health insurance industry and health care in the United States has brought people cheering him as a folk hero. Singers have posted songs about him. On TikTok, folk singer Joe DeVito posted a song. Merchandise, including sweatshirts, wine tumblers and hats emblazoned with the words, began making their way around online storefronts, though some have since been removed, the Washington Post reported.

For as many jokes internet users cracked casting the suspected shooter as a “folk hero,” others pointed to the systemic wealth inequality governing a society in which UnitedHealthcare reported over $16 billion in operating profits in 2023.

On a personal side my daughter’s healthcare (California Care – part of ACA) has denied coverage repeatedly. The cost of her Dexilant is $500 a month but by accident we learned that she can buy the medication from a Canadian pharmacy for $92 a month. It’s not a generic.

At the very least Luigi Mangione has brought the health care industry to a forefront. Will anything change? Probably not. Making money is more important than affordable health care.