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Tag: health-insurance

  • Healthcare and the Captured Market

    The Modern Constitutionalists · A Constitutional Republicans Series · Post 5 Healthcare and the Captured Market This post continues the conversation format from Post 4. My voice is in plain text. Claude’s responses are in indented blocks. We walk through a personal experience of the healthcare system to show how the captured market actually operates… →

  • November — The Cost of Refusing to Solve What We Already Understand

    A conversation with Miles Carter and Beth (ChatGPT) Teaser The United States spends more on healthcare than any country on Earth — yet refuses to cover everyone. This isn’t a mystery or a failure of imagination. The solutions already exist. What’s missing isn’t knowledge. It’s the willingness to confront who profits from keeping the system… →

  • Caring Enough to Fix the Problem

    A conversation with Miles Carter and Beth (ChatGPT) Teaser The holiday season reminds us what we care about most. The real question is whether we care enough to stop arguing—and start fixing the systems that affect everyone. Main Conversation Miles’ Reflection Beth, the season is about caring. We want to care for our families, care… →

  • The Business of Healthcare: When Healing Becomes a Profit Center

    A conversation with Miles Carter and Beth (ChatGPT) — edits by Grok and Gemini Teaser America’s healthcare system has shifted from a mission of healing to a pursuit of profit. From doctors and hospitals to insurance companies and pharmaceutical giants, everyone in the chain is chasing growth — not wellness. Today, Miles and Beth peel… →

  • Patients or Profits? Resetting America’s Health Insurance Priorities

    A conversation with Miles Carter and Beth (ChatGPT) — edits by Grok and Gemini Teaser With a shutdown looming over cuts to ACA premium subsidies, Americans are once again watching health care used as a bargaining chip. Health insurance in the U.S. behaves like a financial product first and a public-health tool second. This post… →

  • Title: The Real Cost of Mounjaro: How Horizon and Prime Therapeutics Keep Patients in the Dark

    By Miles Carter Introduction If you’ve ever paid coinsurance on a high-cost prescription drug and wondered why your share seems so high, you’re not alone. I’m a Horizon BCBSNJ member prescribed Mounjaro, a drug that retails in the U.S. for over $1,000 per month. Despite paying 50% coinsurance, I’ve been blocked from seeing what the… →

  • đź’Š The Hidden Costs of Mounjaro: How PBMs Profit While Patients Pay

    A conversation with Miles Carter and Beth (ChatGPT)and Grok-3 Teaser Today we expose the pricing shell game behind Mounjaro—a drug increasingly prescribed for prediabetes and weight management. While its health benefits are real, the way it’s priced in the U.S. often punishes patients while benefiting insurers and Pharmacy Benefit Managers (PBMs). We unpack how rebates,… →