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You Can’t Win if Insurance Makes All the Rules

Daniel Paull MD compares what insurance companies do in healthcare to playing a game that you can't win.

August 1, 2023

It’s almost impossible to win a game where the rules are set by the person you are playing against, and they can change them at will.

Picture playing Candyland with a 5 year old who can change the rules whenever they want. The 5 year old will win every time, even if your Candyland strategy is perfect!

But instead of Candyland, imagine that you are now playing the game of “trying to get paid,” but it’s with a health insurance company.

They set the rules of what you need to do in order to get paid.

 

It's almost impossible to win a game where the rules are set by the person you are playing against, and they can change them at will. Share on X

 

If you get too good at the game, meaning getting paid too easily, they will change the rules to make it harder again.

Except that when they make it harder, it requires you to do more work in terms of hiring people to play the game for you.

The more time that passes and the harder the game gets, the more people you need to hire to keep playing the game.

 

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The end result is that you will lose, no matter what. They will always change the rules so they win, every time.

The solution?

Don’t play the game in the first place.

Opting out of health insurance is the only long term sustainable solution. There, you can set your own rules.

All opinions published on SomeDocs-Mag are the author’s and do not reflect the official position of SoMeDocs, its staff, editors. SoMeDocs is a magazine built with the safety of free expression and diverse perspectives in mind. For more information, or to submit your own opinion, please see our submission guidelines or email opmed@doximity.com. Do you have a compelling personal story you’d like to see published on SoMeDocs? Find out what we’re looking for here and submit your writing, or send us a pitch.

All opinions published on SomeDocs-Mag are the author’s and do not reflect the official position of SoMeDocs, its staff, editors. SoMeDocs is a magazine built with the safety of free expression and diverse perspectives in mind. Do you have a compelling personal story you’d like to see published on SoMeDocs? Submit your own article now here.

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