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KFF Health News’ ‘What the Health?’: 3 Health Policy Experts You Should Know

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Thu, 31 Aug 2023 18:00:00 +0000

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Julie Rovner
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Julie Rovner is chief Washington correspondent and host of KFF Health News’ weekly health policy news podcast, “What the Health?” A noted expert on health policy issues, Julie is the author of the critically praised reference book “Health Care Politics and Policy A to Z,” now in its third edition.

In this special episode, host Julie Rovner, KFF Health News’ chief Washington correspondent, interviews three noted health policy experts.

Amy Finkelstein is a health economist at the Massachusetts Institute of Technology and co-author of “We’ve Got You Covered: Rebooting American Health Care,” which posits a new approach to universal health insurance. Sylvia Morris is a physician and one of the co-authors of “The Game Plan: A Woman’s Guide to Becoming a Doctor and Living a Life in Medicine,” in which five former medical school classmates share things they wish they had known earlier about how to thrive in what is still a male-dominated profession. And Michael LeNoir is a pediatrician, allergist, former broadcaster, and health educator in the San Francisco Bay Area who founded the African American Wellness Project, aimed at helping historically underserved African American patients better participate in their own care.

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Transcript: 3 Health Policy Experts You Should Know

[Editor’s note: This transcript, generated using transcription software, has been edited for style and clarity.]

Julie Rovner: Hello and welcome back to “What the Health?” I’m Julie Rovner, chief Washington correspondent for KFF Health News. Normally I’m joined by some of the best and smartest health reporters in Washington. But today we have a very special episode. Rather than our usual news wrap, we have three separate interviews I did earlier this month with three very interesting guests: author and health economist Amy Finkelstein, author and physician Sylvia Morris, and physician and medical educator Michael LeNoir. So let’s get right to it.

I am pleased to welcome to the podcast Amy Finkelstein, professor of economics at the Massachusetts Institute of Technology, noted health policy wonk, and one of my favorite people in health care. She’s got a new book, just out, called “We’ve Got You Covered: Rebooting American Health Care.” Amy Finkelstein, welcome to “What the Health?”

Amy Finkelstein: Thanks so much for having me on, Julie.

Rovner: So it’s been a minute since large-scale health system reform was on the national agenda — I think, even in the research community — which is in some ways odd because I don’t think there’s ever been as much unanimity that the health system is completely dysfunctional as there is right now. But I’m starting to see inklings of ideas bubbling up. I interviewed Kate Baicker, your former partner in research, a couple of months ago, and I don’t know if you saw it, but there’s a new Republican health reform plan just out from the Hoover Institution. Why is now the time to start talking about this again?

Finkelstein: I mean, I think the right question is why haven’t we been talking about it all along? I think it’s, unfortunately, always timely to talk about how to fix the incredibly rooted rot in our health care quote-unquote “system.”

Rovner: Why has it been so hard to reach any consensus about how health insurance should work? We don’t … I mean, we’re at a point even in the United States where we don’t all agree that everyone should have health insurance.

Finkelstein: So it’s a really good question. I think my co-author, Liran Einav, who’s my long-term collaborator, and I came to realize in writing this book is that we weren’t getting the right answers and consensus on them because we weren’t asking the right questions, both as researchers and in the public policy discourse. There’s a lot of discussion of “What do you think of single-payer?” or “Should we have a public option?” or “What about health savings accounts?” But what we came to realize, and it’s kind of idiotically obvious once we say it, but it still unfortunately bears saying: You can’t talk about the solution until you agree on what is the goal. What are we trying to do in health policy and health policy reform? And there are, of course, many admirable reasons to want health policy reform, or government intervention, more generally, in health policy. You can think, and this is what we’ve worked on for many years, that, you know, Adam Smith’s “invisible hand” doesn’t work that well in medical marketplace. You can be interested in making sure that we try to improve population health. You can think that health care is a human right. There are many possible reasons. What we came to realize in working on this book, and what then provided startling clarity and, hopefully, ultimately consensus on the solution, is that while all of these may be admirable goals, none of them are actually the problem that we have been trying but failing to solve with our health policy for the last 70-plus years. What becomes startlingly clear when you look at our history — and it’s the same in other countries as well, they’ve just succeeded more than we have — is that there is a very clear commitment, or a social contract, if you will, that we are committed that people should have access to essential medical care regardless of their ability to pay. Now, that may sound absurd in the only high-income country without universal health coverage, but as we discuss in our book, that represents our failure to fulfill that commitment, not its absence. And as we describe in great detail, it’s very clear from our history of policy attempts that there is a strong commitment to do this. This is not a liberal or a conservative perspective. It’s, as we discuss, an innate and in some sense psychological or moral impulse. And once you recognize this, as people have across the political spectrum, fundamentally we’re not going to ever consciously deny access to essential medical care for people who lack resources, and that an enormous number of our existing policies have been a backhanded, scrambling, not coherently planned attempt to get there. And I’m not just talking about the requirement that people can’t be turned away from the emergency room. If you look at all of these public policies we have to provide health insurance if you’re poor, if you’re young, if you’re old, if you’re disabled, if you’re a veteran, if you have specific diseases — there’s a program for low-income women with breast and cervical cancer. There’s a program for people with tuberculosis, for people with AIDS, for people with kidney failure. All of these arose out of particular political circumstances and salient moments where we felt compelled to act. It becomes very clear that we’re committed to doing this, and then a solution then becomes startlingly simple, once we agree. And, hopefully, if you don’t already, our book will convince you that whether or not you support this mission, it’s very clear it is the mission we’ve adopted as a society. Then the solution becomes startlingly simple.

Rovner: And the solution is …?

Finkelstein: Universal, automatic, basic coverage that’s free for everyone with the option — for those who want to and can afford it — to buy supplemental coverage. So the key is that the coverage be automatic, right? We’ve tried mandating that people have coverage … requiring it doesn’t make it so. In fact, a really sobering fact is that something like 6 out of 10 of the people who currently lack insurance actually are eligible for either free or heavily discounted coverage. They just don’t have it. And that’s because there’s a very, very complicated series of paths by which you can navigate coverage, depending, again, on your specific circumstances: age, income, disease, geography, disability, what have you. Once you have patches like this, you’ll always have gaps in the seam. So that’s why it has to be universal and automatic. We also argue that it has to be free, something that may get us kicked out of the economists’ club because, as economists for generations, we’ve preached that patients need some skin in the game, some copays and deductibles, so they don’t use more care than they actually really need. And in the context of universal coverage, we take that back. It was kind of a really sobering moment for us. We’ve written enormously on this issue in the past. We weren’t wrong about the facts. When people don’t have to pay for their medical care, they do use more of it. We stand by that research. And that of many other …

Rovner: This goes back to Rand in the 1970s, right?

Finkelstein: Exactly. And the Oregon Health Insurance Experiment, which I ran with Kate Baicker, whom you mentioned earlier. It’s just that the implications we drew from that we’re wrong — that if we actually are committed to providing a basic set of essential medical care for everyone, the problem is, even with very small copays, there will always be people who can’t afford the $5 prescription drug copay or the $20 doctor copay. And there’s actually terrific recent work by a group of economists — Tal Gross, Tim Layton, and Daniel Prinz — that show this quite convincingly. So what we’ve seen happen when we look at other high-income countries that have followed the advice of generations of economists going back, as you said, to Rand, and introduced or increased cost sharing in their universal basic coverage system to try to reduce expenses, it’s extraordinary. Time and time again, these countries introduced the copays with one hand and introduced the exceptions simultaneously with the other — exceptions for the old, the young, the poor, the sick, veterans, disabled. Sound familiar? It’s the U.S. health insurance in a microcosm applied to copays. And so what you see happen, for example, in the U.K., that was famously, you know, free at the point of service when it was started in 1948, but then, bowing to budgetary pressures and the advice of economists introduced, for example, a bunch of copays and prescription drugs. They then introduced all these exceptions. The end result is that currently 90% of prescriptions in the U.K. are actually exempted from these copays. So it’s not that copays don’t reduce health care spending. They do. That economic research is correct. It’s that they’re not going to do that when they don’t exist. All we do is add complexity with these patches. So that’s, I think, the part that we can get up and stand up and say and get a lot of cheers and applause. But I do want to be clear, it’s not all rainbows and unicorns. We do insist that this universal, automatic, free coverage be very basic. And that’s because our social contract is about providing essential medical care, not about the high-end experience that obviously everyone would like, if it were free. And so …

Rovner: And that’s exactly where you get into these fights about how — even, we’re seeing, you know, with birth control and pretty much any prescription drug — you have to offer one drug, but there are other drugs that might be more expensive, and insurance plans, trying to save money, don’t want to offer them. You can see already where the tension points are going to end up. Right?

Finkelstein: Exactly. And every other country has dealt with this, which is why we know it can be done. But they do one thing that is startlingly absent from U.S. health policy. Besides the universal coverage part, they also have a budget. And it’s kind of both incredibly banal and incredibly radical to say, “We should have a budget in our U.S. health care policy as well.” Everything else has a budget. When school districts make education policy, they do it given a budget and they decide how to make tough choices and allocate money across different types of programming. Or they decide to raise taxes, and go to the voters to raise taxes to fund more. We don’t have a budget for health care in the U.S. When people talk about the Medicare budget, they’re not actually talking about a budget in the sense that when I give my kids an allowance, that’s their budget, and they have to decide which toy to buy or which candy to purchase. When we talk about the Medicare budget, we just mean the amount we have spent or the amount that Medicare will spend. There’s no actual constraint, and that has to change. And only then can we have those tough conversations, as every other country does, about what’s going to be provided automatically and for free, and what’s obviously nice and desirable, but not actually part of essential medical care and our social contract to provide it.

Rovner: But, of course, the big response to this is going to be — and I’ve covered enough of these debates to know — you’re going to ruin innovation if we have a budget, if we limit what we can pay, the way every other country does, that we’re not going to have breakthrough drugs or breakthrough medical devices or breakthrough medical procedures, and we’re all going to be the worse for it.

Finkelstein: That, I think, is a very real concern, but it’s not a problem for us, because if that’s the concern, when the next administration adopts our policy, they can set a higher budget. Right? If we think that we want to induce innovation, and the way to do that is through higher prices for medical care, then we can decide to pay more for it — or we can decide, oh, my goodness, right, get it coming and going. On the other hand, we don’t want to raise taxes. We don’t want to spend even more of public money on health care. OK, well, then we’ll decide on less innovation. That’s in some sense separable from universal, automatic, basic free coverage. We can then decide what level we want to finance that at. And also, to be clear, we fully expect, in the context of our proposal, that about two-thirds of Americans would buy supplemental coverage that would get you access to things that aren’t covered by basic or greater choice of doctor or shorter wait times. And so that, again, might also — but that would be privately financed, not publicly financed — but that would also help with the innovation angle.

Rovner: And this is not a shocking thing. This is exactly how Switzerland works, right?

Finkelstein: Yeah, the somewhat sobering or, dare I say, humbling realization we came to is that, as I said, we very much thought about this — I guess, as academics — from first principles, you know, what is the objective that we’re trying to achieve it? And given that, how do we achieve it? But once we did that and we looked around the rest of the world — right? — it turns out that’s actually what every other high-income country has done, not just Switzerland, but all of them have some version. And they’re very different on the details, but some version of automatic, universal, basic coverage with the ability to then supplement if you want more. So, with many things when you do research on them and then you run into the man on the street and they say, “Isn’t this simple? Can’t we just do what every other country does?” When it comes to health care delivery and how to cut waste and overuse and deal with underuse in the health care system, the man on the street is, unfortunately, wrong. And we have a lot more work to do to figure out how we can get more bang for our health care buck. But it turns out they were right all along. And we, or I and my co-author and many other, I think, academic economists and policymakers, just didn’t realize it, that actually the coverage problem has a really, really simple solution. And that’s the key message of our book.

Rovner: So one of the things that’s stuck with me for 15 years now is a piece that Atul Gawande wrote in The New Yorker just before the debate on the Affordable Care Act about how, yes, every other country has this, but, in fact, every other country had some kind of event that triggered the need to create a system. You know, in England, it was coming out of World War II. Every country had some turning point. Is there going to be some turning point for the U.S. or are we just going to have to sort of knuckle under and do this?

Finkelstein: So we deliberately steer clear of the politics in most of the book because our view is the question you started with, like, “Why can’t we agree?” So let’s at least … can we agree on the solution before we figure out how to achieve it? But, of course, in the epilogue, we do discuss this, you know, how could we get there? And I guess the main lesson that we take away from our read of history is that universal health insurance was neither destined to happen in every other country, nor destined not to happen in the U.S. We talk about several incredibly near-misses in the U.S. Probably the closest we got was in the early 1970s, when both the Republican Nixon administration and the Democratic Congress under Kennedy had competing proposals for universal coverage on the table. They were actually arguing over whether there should be copays when there are different accounts of whether the Democrats got overly optimistic with Watergate looming and thought they could get more, or some senator got drunk and had a car accident and Ways and Means got derailed. But we had a near-miss there. But also, and to your point about the U.K., more soberingly, if you look at the history of other countries, it wasn’t easy there. I mean, the British Medical Association threatened to go on strike before the implementation of the National Health Service in 1948. So, despite that, you know, now it’s … the National Health Service is as popular as the British monarchy — or actually more popular, perhaps …

Rovner: [laughs] Probably more!

Finkelstein: … and is beloved by much of the British population. But if you look at the narrative that this was destined to come out of the postwar consensus, the Labour leader, [Aneurin “Nye”] Bevan, who was pushing for it on the eve of its enactment, described the Tories as, quote, “lower than vermin for their opposition to it.” I mean, it was just … and similarly in Canada, when Saskatchewan was the first province to get universal medical insurance, there the doctors did go on strike for over three weeks. So this idea that every other country just had their destiny, their moment, when it clearly came together, and we were destined not to have it? Neither seems to be an accurate reading of history.

Rovner: Well, it’s a wonderful read. And I’m sure we’ll come back and talk again as we dive back into this debate …

Finkelstein: I’d love to.

Rovner: … which I’m sure we’re about to do. Amy Finkelstein, thank you so much for joining us.

Finkelstein: Thank you so much for having me.

Rovner: Hey, “What the Health?” listeners. You already know that few things in health care are ever simple. So, if you like our show, I recommend you also listen to “Tradeoffs,” a podcast that goes even deeper into our costly, complicated, and often counterintuitive health care system. Hosted by longtime health care journalist and friend Dan Gorenstein, “Tradeoffs” digs into the evidence and research data behind health care policies and tells the stories of real people impacted by decisions made in C-suites, doctors’ offices, and even Congress. Subscribe wherever you listen to your podcasts.

Next, we have Sylvia Morris, one of a group of friends who are women physicians who want to make it easier for the next generation of women physicians.

I am pleased to welcome to the podcast Dr. Sylvia Morris. She’s an internist from Atlanta and one of five authors of a new book called “The Game Plan: A Woman’s Guide to Becoming a Doctor and Living a Life in Medicine.” Dr. Morris, welcome to “What the Health?”

Sylvia Morris: Thank you so much for having me.

Rovner: So why does there even need to be a book about being a woman in medicine? Aren’t medical schools more than half women students these days?

Morris: They are. But when you look at some of the specialties, and once you get out into practice, women leaders are still not as plentiful. They are not 50%. So, we just wanted to write from our perspective some tips and tools of the trade.

Rovner: So before we talk about the book, tell us about how you and your co-authors got together. It is rare to find a book that has five listed authors.

Morris: Exactly. So we actually went to med school together. We were classmates at Georgetown, and we met, I will say, in the early ’90s, shall we say? 1992, 1993. And after we finished med school, as well as training, we started doing girls’ trips. Our first one was, like, to Las Vegas and then subsequently have just really evolved. And probably 10 years ago, we were sitting around in Newport Beach and we thought, you know what? We should figure out something to do to really, to give back, but also to share information that we didn’t have. I am a first-generation physician. Several of my co-authors are as well. And it would have been nice for someone to say, “Hey, Doc, maybe you should think about this.” So that’s why we wrote the book.

Rovner: I noticed that, yeah, I mean, you start very much at the beginning — like, way before med school and go all the way through a career. I take it that was very intentional.

Morris: Yes, because I don’t think most people wake up and decide they’re going to be a doctor and then apply to medical school. And although we all have different journeys, some of us decided to become physicians later. Later, meaning in college. I was a kid that always wanted to be a doctor. So at 5, I would say “I want to be a doctor,” and here I am a physician. So we really wanted to highlight the different pathways to becoming a physician and just so that people can just … we’re going to peel the curtain back on what’s happening.

Rovner: I love how sort of list-forward this book is. Tell us the idea of actually making a game plan.

Morris: Well, we’re big “list people.” I think in med school, you kind of learn, well, what’s your to-do list for today? You need to check that CBC. Yeah, you know, you have to follow up on physical therapy, all of those things. So lists become a really inherent part of how we do business. And I think people understand the list, whether it’s a grocery shopping list. So we wanted to be prescriptive, not specific, meaning you must do X, but here are some of the things that you need to think about. And a list is very succinct, and everyone can get it.

Rovner: Which leads right into my next question. I love how this is such a nitty-gritty guide about all of the balancing that everybody in such a demanding profession of medicine, but particularly women, need to think about and do. What do you most wish that you had known when you were starting out that you’d like to spare your readers?

Morris: If I could go back to my 17-year-old self who was just dropped off at Berkeley, I really would say, “Enjoy the ride.” And that sounds so trite, because we get very caught up in “it has to be this way.” And quite honestly, things have not turned out how I thought they were going to turn out. Certainly, in many ways, much grander and beyond my wildest imagination. But you do have to be intentional about what you want. So I’ve been very clear about wanting to be a physician, and I’ve worked along that path. It is never a straight line. So just embrace the fact that there are going to be some ups and some downs, but keep in focus on the goal and persevere. I’d like to borrow the word from Associate Justice [Ketanji Brown] Jackson, how she talked about persevere.

Rovner: I noticed that there are a number of places where there are key decisions that need to be made. And I think, you know, you talk about being intentional. I think people don’t always think about them as they’re doing them, as in deciding where to go to medical school, where to do a residency, what specialty to choose, what type of practice to participate in. The five of you are all in different specialties in different sort of practice modalities, right?

Morris: Yes, we are. And I think that that really adds to the richness of the book. And again, there’s no one way to get to your goal. But we have the benefit of being able to sort of bounce ideas off of each other. So if we are looking for a new job or kind of a career pivot, then we have someone to reach out to to say, “Hey. You did this. What are your thoughts? What should I look out for?”

Rovner: How important is it to have a support system? I mean, obviously, you talk about family and kids, but, I mean, to have a support system of friends and colleagues and people you can actually share stresses and successes with, that others will understand.

Morris: It is so important to know that you are not alone. There’s nothing new under the sun. So if you are going through something where we suffer in silence and isolation, that’s when bad things happen. So having a trusted group of friends, and whether it’s one person or three people — I’m lucky to have at least four people in my life that I can be candid and vulnerable with. It makes all the difference in the world. My mom died when I was in medical school, and having the support of my colleagues, my friends, to say, “Hey, yeah, you can keep going. You can do this.” That’s important. And there are some very low periods in residency, just because you’re tired all of the time. So having a group, whether it’s one or three or four, then please, have friends.

Rovner: I’m curious that while you are all African American women, you don’t really have a separate section on navigating medicine as members of an underrepresented group. Is that for another book entirely? Was there a specific reason that you didn’t do that?

Morris: I think certainly when people see us on the cover, then you’d realize, “Oh, they are women of African descent.” And I also think that because … women are still underrepresented in medicine, in particular in leadership, that we wanted to make sure we reached the broadest audience. And quite truthfully, our message works for not only women, but also works for men, it works for people of color. We just really wanted to say, “Hey, these are the things that we can think about when you are applying to medical school and as you embark on your career.” But I like the idea of a second book.

Rovner: Actually, that’s my … my next question is, what do you hope that men get out of this? Because, you know, flipping through, it’s a really good guide, not just to being a woman in medicine, but to being anyone in medicine or really anyone in a very time-demanding profession.

Morris: Yes, the word “ally” is kind of overused now, but I think that it gives the men in our lives, whether they be our partners and husbands, our fathers — I have a favorite uncle, Uncle William — to have an inkling of what’s happening and how to best support us. So I think that there’s just some valuable pearls.

Rovner: Well, thank you very much. It is a really eye-opening guide. Dr. Sylvia Morris, thank you for joining us.

Morris: Thank you.

Rovner: Finally for this special episode, here’s my chat with Michael LeNoir, a physician who spent much of his career trying to improve the health of African American patients.

We are pleased to welcome to the podcast Dr. Michael LeNoir, an allergist and pediatrician who spent the last 4½ decades serving patients in the East Bay of San Francisco and working to improve health equity nationwide. He’s a former president of the National Medical Association, which represents African American physicians and patients, and a founder of the African American Wellness Project, a nonprofit that grew out of the realization of just how large and persistent health disparities are for people of color. Dr. LeNoir, welcome to “What the Health?”

Michael LeNoir: Well, thank you so much.

Rovner: Health disparities and health equity have become, if you will, trendy research topics in the past couple of years in the health policy community because we know that people of color have worse health outcomes in general than white people, regardless of income. But this is hardly a new problem. When did it become obvious to you that, despite other civil rights advances, the health system is still not serving the Black community equally?

LeNoir: Well, I think it goes back to, actually, 2002, when as a doctor in a community that had people of color, physicians of color, I recognized that there was a difference in how African Americans were treated both professionally and personally. And it was such a stark difference. So I gathered together most of the Black health leaders in the Bay Area, some running hospitals, some running programs, two were directors of health, some Congress people, and some local politicians. And there were about 30 people in the room. And I … go around the room and asked, give me one instance where the health system that you engaged in treated you disrespectfully or you didn’t get information, or you felt abandoned without advocates. And we weren’t four people in when some people started crying about experiences that they’d all had. Now, I knew they had these experiences because of that as a doctor. You know, I’m in the doctor’s lounge as a consultant in allergy and immunology. I see the differences in how Black people were treated as opposed to whites. And I see the respect that was given to white physicians that was not given to Black physicians. So at that point, I decided, you know, there’s something upside down in this health system. The concept is that health is supposed to take care of you from the top down. Either your insurance company is supposed to take care of you, or the feds, or somebody. But my feeling was, you know, for African Americans the health system was not going to change unless we changed it from the bottom up. And so that’s when we started the African American Wellness Project to educate African Americans how to deal with some of the aspects of early detection, disease prevention, exercise, and things like that. But more importantly, what to happen when you have a problem, when you engage with the system. What tools do you need? What resources do you need? How do you get the best possible outcomes?

Rovner: So just this month, the Centers for Disease Control and Prevention released a survey that found that 1 in 5 women reported being mistreated by medical professionals during pregnancy or delivery. For Black women, it was closer to 1 in 3. This is clearly some sort of systemic problem even in addition to racism, isn’t it? The health system is not functioning well.

LeNoir: We did a piece on this yesterday because it’s pretty clear that this has been a problem as long as I’ve been a physician. Where it’s really a problem is the increasing incidence of maternal mortality among Black women. And so now we know that there’s something going on that’s not being taken care of. There’s one classic video that we show when we talk about this subject. It was a Black physician in Illinois who was in a small Illinois town, was in the intensive care unit, and could not get the care that she needed when she had covid respiratory issues. And so what happened was she was broadcasting from the ICU about what was being given to her, what was being talked to her about, what was not being done. And her care … when her symptoms were ignored, how they delayed in doing stuff. And she died four days after she did this video. But, you know, we’re not surprised. I mean, I see these studies of Black people don’t like the health care system. You know, Kaiser Foundation [KFF] must have spent, I don’t know how many dollars, looking at a study we did five years ago. On every study I’ve seen, Black people are not happy with the health care system. They had 12,000 people. We had 400. But the conclusions are the same. And it’s not so much because of the availability or the capacity of the health care system to close the gap on the health of Blacks and others in this society. It has a lot to do with unconscious bias and the fact that the system doesn’t recognize itself. And no matter how much you call attention to it, it continues year after year, decade after decade.

Rovner: Is there anything we can do about unconscious bias? I mean, now we all know it’s there, but that doesn’t seem to get around to fixing it.

LeNoir: There’s several things that have been talked about: change in medical schools and showing them more positive images so that when they come out of medical school, then the only patients that we see are poor, Black, uneducated, you know, down and out, because those are the ones that go to the VA hospital or the public hospitals. So that’s one thing. And the other thing is a Black person should call it out when they see it. That’s the big thing. And I think we’re much too docile in the health care system. Here’s what I always would feel is that if we get as mad about health care that is disrespectful and unequal as we do when someone cuts in front of us in the Safeway line, we wouldn’t have that problem.

Rovner: Seriously, I mean, so you think people really just need to speak up more?

LeNoir: Absolutely. And in the piece that we did yesterday, the piece was entitled “Health Care System Not Equal,” don’t put up with it.

Rovner: What can Black doctors do and how do we get more of them? I know that’s a big piece of this is that people don’t feel represented within the health care provider community.

LeNoir: Well, unfortunately, we know and probably you kno, and probably most patients know, that a good doctor may not be the smartest person in a medical school. They may have a variety of different prejudices and a variety of different talents or a variety of different capacity to engage patients in a positive way. But our medical system and our system that screens students for medical school really kinda looks more at analytics. I mean, what kind of grades you make, what your SATs look like, what kind of symbolic social things did you do in order to get into medical school? And so, consequently, that shuts out a lot of students at a very early place in the system. A Black student often goes into the system determined to be a doctor, but he doesn’t have those resources, those networks, those connections. So he bombs out in junior college. I can remember I had a unique educational experience. I went to a college-educated … well, middle school in Cincinnati. It’s called Walnut Hills High School No. 3. [To get in] you took a test, and my dad was a YMCA executive. So we moved to Dallas, Texas, which was completely segregated. So I recognized immediately when I got there that the learning experience was different, but the education was not. Because I learned as a Black student in an environment that was college preparatory that … I didn’t have many allies in that many networks. And my parents, like so many Black parents, said, there’s no excuses. You can’t … don’t be coming on with the excuse of discrimination, when we were facing it every day. And more than that, on the positive side, we’re not being encouraged like the white students were. When I got to Dallas, you know, we didn’t have all the books, we didn’t have all the stuff, but the teachers knew I had talent, and they pushed me and pushed me, pushed me. So when I went off to a university by choice — could have gone to Stanford, all these other places — that I had the talent. Whereas back in my high school there were students as good as I was as students. And then they went off to the University of Texas, where I ultimately transferred, which didn’t seem to be a big deal for me because I thought Howard actually was harder. But they go to the University of Texas, they were from a segregated school, and then by themselves and they bomb out … and so consequently they don’t get to realize the bigger part of themselves. So getting back to this question that you asked five minutes ago. The reason is that the parameters to choose people for medical school need to start earlier, and they need to encourage Blacks, especially Black males of talent, so they can then go on and do some things that are necessary to get into medical school.

Rovner: Yeah, I’ve seen some programs that are trying to recruit kids as young as 11 or 12 to gauge interest in going into a medical career.

LeNoir: Yeah, well, I think that’s, you know, that’s so unnecessary. But it’s a game. I mean, who is it … the doctor … your old Dr. So-and-So didn’t go to Harvard. So the talents to be a good doctor, you know, I don’t know whether you feel this way. I don’t think you can teach judgment by the time somebody gets out of high school. You know, physicians, the first thing I think that you have to have is good judgment, and good judgment can be sometimes assessed on the MCAT and these other things that they use to prioritize things for that.

Rovner: I know the Association of American Medical Colleges is very concerned about the Supreme Court decision that came down earlier this year banning affirmative action. Are you also worried about what that might mean for medical school admissions?

LeNoir: Well, you have to realize that in California, we’ve been dealing with this since the Bakke decision, so we’ve not been able … and I served on medical school committees. I served on the University of California-San Diego, and one year here at UC-San Francisco, kinda chaired the clinical faculty, so had the chance to kind of get engaged in policy here. And what we found out was that you can’t change that. You have to change the system itself.

Rovner: Yeah, I mean, how worried are you, obviously in California, I guess, things have gone OK, but it’s going to be a big change at a lot of other medical schools about how they’re going to go about admitting their next classes and trying to at least further more culturally diverse classes of medical students.

LeNoir: Well, you know, California’s not done OK. I mean the percentage of California students — I believe diversity in California is probably 50% less than it was in the days when we had more liberal affirmative action guidelines. And so in those days, we were reporting 24, 25 Black students in these classes. That’s not happening anymore. So … I do worry. I mean, the reality is right in front of us. And I think that some schools … not necessarily the schools themselves, but the politicians that supervise these schools that have oversight over these schools are going to use this as a weapon. I know that already many of the attorney generals have sent letters to the university saying, look, I don’t care what you do, it’s not going to happen anymore. And the first persons to leave jobs now are diversity. Good jobs in diversity management … those jobs are disappearing almost as we speak.

Rovner: So if you could do just one thing that would help the system along to make things a little bit less unequal, what would it be?

LeNoir: I think it would be making certain that the system has the tools to detect two types of unconscious bias: this personal unconscious bias on the part of providers, but this institutional unconscious bias. And I think we have to attack that first. Institutions don’t look at African Americans the same way. And here’s … let me give you an example of what that falls out to. Let’s look at the statistics on vaccinations in ethnic groups. The impression is that Black people didn’t get vaccinated. But at the end of the day, if you looked at the numbers, we were vaccinated pretty much about the same level as the rest of America. But when we got ready to look at this, what we found out is hesitancy was based upon the fact that Black people did not trust the system. And institutions are expected to come out, here you are, you know, you’re part of an institution. You see a different doctor every week. And they come out to tell you you’re supposed to do your shots and stuff like that. Then Black people don’t believe that. They don’t go, they don’t go with that. And so consequently, at the end of the day, once the information came out and people got a chance to look at it, we started getting vaccinations at the same rate. But the people who are asking us to trust them had never attempted institutionally to obtain our trust. And so I think under those circumstances, that’s one of the reasons, that’s one of the things we most have to attack is institutional unconscious bias, institutional racism that’s covered over by the fact that we’re taking care of the poor. You know, we do all these things here and there, but poor people have opinions, too. And if we expect to change the system where everybody is treated equally, we have to look at what the institutional policies, or the institutional character or personality that results in the kinds of outcomes that we see in hospitals. And then we start looking at providers and other people. And they have to start engaging in this community now. There’ll be another pandemic, you know that. I know that. Probably this summer, this winter, things are going to … Look, what have doctors done? What have institutions done to gain the trust of the populations they serve? Probably nothing.

Rovner: Well, we’ve seen, you know, one of the things the pandemic has shown us is that now all Americans don’t trust institutions anymore. Is there maybe even a way to help everyone gain more trust? I mean, I guess it’s becoming much more obvious to at least the public health community that much of the public in general is distrustful of public health advice, of medical advice, of expertise in general.

LeNoir: Oh, yeah, there’s no question. This is not a unique problem among African Americans. I mean, it’s hard to trust a system where you have a problem and your doctor refers you somewhere and your next appointment is four months away. And here’s what the tragedy is: Nobody in Washington is talking about changing the system. I can remember the big furor over what were we going to do? Are we going to do single-payer? Are we going to do this? At least there was a dialog. Have you heard a dialog in Washington about changing this awful health care system that denies people access, overcharges them, and then is not blamed for the outcomes? I haven’t seen any of that. I haven’t seen anybody talk about health care at the national level. We used to do pieces, I remember years ago when I worked for CBS Radio, I tried to get a curriculum for hypertension, diabetes. Now you barely see anything on health except violence, and you don’t see too many pieces that people could use for health education. So I think the system is really broken and nobody’s … I don’t see any, even in the discussions last night [during the first Republican presidential primary debate], health never came up. You know, Ukraine, but not the health care system, which is really cheating us all.

Rovner: Yeah, I know. I mean, we’re … an entire Republican debate, and there was not a single mention of the Affordable Care Act or anything else that Republicans might want to do to fix a health care system that I think even Republican voters know is broken.

LeNoir: Yeah, I think that [Donald] Trump has sucked all the oxygen out of the room. And they’re not talking policy very much at all. I mean, even the undertones of the policy discussions have Trump all over it. So I think we’re in a very bad place, but I hate to see that escalating discussion on how to change the health care system, not just for the good of the poor people and Black people, I don’t think white people are really particularly excited about the system, and that dialog is not taking place.

Rovner: Is there anything you can offer that’s at all optimistic about this?

LeNoir: Well, no. No, I really can’t. As a doctor, I can tell you. Here’s the expanding issue. It just seems now that the solution to all the health problems that we have are the social determinants of health. I mean, you know, income and poverty and food, you know, issues and employment, all of that, they all contribute definitely to health outcomes. And so until we change those, then obviously the system, they say, will not change. Every chronic disease that I’ve looked at over the last 10 or 15 years, and especially recently, what Black people don’t do as well, it’s not because they don’t get into the system at the right time. They may even have early disease detection. It’s because they are not treated the same way. So if you look at statistics, all Black women have more deaths from breast cancer, our Black children have more asthma. It’s not because they don’t enter the system. It’s how they’re treated when they get into the system. So then going back to what we can do, we have to arm the patient, Black or white, to understand what you need to do to get the most effective outcomes. How do you select your primary care doctor? It’s critically important to everything that happens to you. How you’re able to challenge the system with a second opinion when you want that. To have an advocate, if you go into the hospital, not your brother or sister, but somebody who knows something about health care. So what we’re trying to do with the African American Wellness Project is to do that. We talk about early detection. Here’s the other problem with this. Now, I’d rather have penicillin than get rid of poverty or to get everybody a job. And in the New England Journal probably maybe a week ago, there was an editorial about how we as physicians should be able to manage the other elements, the social determinant elements, as part of our visits. Now I’ve barely got enough time to see the patients that I have. Now I’m supposed to get somebody food, a job and all that … but I’m not saying that that doesn’t need to change. It does. But if every solution to the problem of health equity is the social determinants like I’m seeing, then I mean, we might not get penicillin, but we may get somebody a job. But I think that that that process is important. It is important. But if you look at studies that at the VA, especially with men with prostate cancer, or if you have prostate cancer and … everything’s done exactly the same: early detection, the PSAs, the biopsy, the identification — the prostate is done not by biopsy, but by MRI — and they treat it the same, Black people do better. And the same thing is true with breast cancer and other chronic diseases. All these studies. You can go to PubMed, and you look at all these studies and you see every study talks about that, that the reason that they’re not doing as well, is because of the social determinants of health. Now, I mean, I appreciate that, but I’m not going to wait for everybody to get a job before I try to get a stent put in my artery, or I try to get some concern for my position. So to go back to your question again that you asked me five minutes ago, is that we need to talk to people about the system they face, and they need to go into it with less naivete and more organization. And that’s what we try to do with the African American Wellness [Project]. We try to provide you with that information and the tools that you need when you need to go into the system. If you need to know what questions to ask … we’ll tell you how to do that. One of the things I found out is I engage social media as a way to talk to people, because I’ve always used traditional media and, boy, I recognize now that you have to do it a little differently. You can’t do it exactly the same way. And so I just think we have to prepare people and we have to tell them the things that they need to do to recognize and understand before they enter the system. Until we start to get more serious in this country, about that dialog on our health care system, I think the individual is the only way we can approach it.

Rovner: Dr. LeNoir, thank you. Thank you so much for all of what you’re doing and thank you for joining us today.

LeNoir: Thank you for having me.

Rovner: OK, that’s our show for this week. As always, if you enjoy the podcast, you can subscribe wherever you get your podcasts. We’d appreciate it if you left us a review; that helps other people find us, too. Special thanks, as always to our amazing engineer, Francis Ying. And also, as always, you can email us your comments or questions. We’re at whatthehealth@kff.org. Or you can tweet me or X me or whatever. I’m still @jrovner, also on Bluesky and Threads. I hope you enjoyed this special episode. We’ll be back with our regular podcast panel after Labor Day. Until then, be healthy.

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Kaiser Health News

Have Job-Based Health Coverage at 65? You May Still Want To Sign Up for Medicare

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kffhealthnews.org – Michelle Andrews – 2025-06-18 04:00:00


When Alyne Diamond, 67, broke her back in 2023, her employer-based UnitedHealthcare plan covered the care. But later injuries revealed a costly oversight: since turning 65, Medicare should have been her primary insurer due to her small firm’s size. UnitedHealthcare denied newer claims and began reclaiming over \$50,000 previously paid, leaving Diamond to cover much of the cost. Experts say this scenario is common among people unaware of Medicare coordination rules. Without proper notification from insurers or employers, late Medicare enrollment can result in denied claims and steep medical debt, with little recourse outside litigation or special enrollment appeals.


When Alyne Diamond fell off a horse in August 2023 and broke her back, her employer-based health plan through UnitedHealthcare covered her emergency care in Aspen, Colorado. It also covered related pain management and physical therapy after she returned home to New York City. The bills totaled more than $100,000.

The real estate lawyer, now 67, was eligible for Medicare at the time but hadn’t enrolled. Since she was still working, she thought her employer health insurance plan would cover her.

That misunderstanding has had financial repercussions that she continues to deal with today.

More than a year after her riding accident, Diamond was back at the emergency room after she tripped on a step while entering a New York restaurant. Her face covered in blood, Diamond was examined by staff, who did multiple CT scans. The bill for that care: $12,000.

This time, though, the insurance coverage wasn’t routine. Nearly all her claims were denied.

Diamond was caught in a fairly common coverage snag: People who have group health insurance when they become eligible for Medicare sometimes find themselves on the hook for their medical bills because their group plan stops paying.

Diamond contacted several people at UnitedHealthcare before she found out why the insurer refused to pay her claims.

When Diamond turned 65 in 2022, Medicare — unbeknownst to her — became the “primary payer” for her claims, meaning the federal health program for older or disabled people was supposed to take the lead in covering her medical bills, before other insurers paid anything. (As secondary payer, Diamond’s employer policy picked up 20% of what Medicare would have paid.)

Had she signed up for the government insurance plan when she turned 65, Diamond could have avoided a financially perilous situation that left her unexpectedly responsible for the medical costs she incurred during that time.

She began to understand what had happened as she made inquiries about the denied claims.

Diamond said she was told that UnitedHealthcare audited her claims last year and determined it had been improperly paying for her care, perhaps because her pricey medical claims after her fall from the horse raised a red flag.

The insurer not only stopped paying current claims but also moved to claw back tens of thousands of dollars it had paid to providers in the two years since she turned 65. Some of those providers are now seeking payment from her.

“It’s horrifying,” she said. “For about two months I was devastated. I thought, ‘Where am I going to get the money to pay all these people? There goes my retirement.’”

The mistake has already cost her $25,000 and may cost her much more if providers continue to bill her for amounts that UnitedHealthcare has clawed back for care she received before signing up for Medicare in February.

A UnitedHealthcare spokesperson declined to provide an on-the-record statement, citing safety concerns.

Patient advocates say they frequently hear from people who, like Diamond, thought they didn’t need to sign up for Medicare upon turning 65 because they had group health coverage.

That assumption is generally correct if they or their spouse is working at a company with at least 20 employees. In that case, employer coverage is considered primary and they can delay signing up for Medicare as long as they or their spouse continues to be employed there.

But if someone has employer coverage through a company with fewer than 20 workers, Medicare generally becomes the primary payer when they turn 65. The real estate law firm at which Diamond is a partner has a handful of employees.

Similarly, if someone is older than 65 and has retiree health coverage or has left their job and opted to continue their employer coverage under the Consolidated Omnibus Budget Reconciliation Act, also known as COBRA, Medicare pays first. The issue can also arise for people who are younger than 65 if they are eligible for Medicare because of a disability. In those instances, Medicare pays first if they or their family member works at a company with fewer than 100 employees.

If people in these groups don’t sign up for Medicare when they become eligible, they can find themselves responsible for all their medical bills for years. (They may also owe a penalty for late enrollment in the Medicare program.)

“It’s very alarming and there’s no current fix to the situation,” said Fred Riccardi, president of the New York-based Medicare Rights Center, a national patient advocacy organization.

The Centers for Medicare & Medicaid Services did not respond to a request for comment.

Mark Scherzer, a lawyer in Germantown, New York, who helps people with insurance problems, and who advised Diamond, said he gets calls a couple of times a month from people who face this issue.

“What I see constantly now is that insurers go back and they claw back the money from the doctor and the doctor then claws the money back from the patient,” he said.

Costly claims may trigger an insurer to examine someone’s coverage.

Those big claims “seem to get on the insurer’s radar,” said Casey Schwarz, senior counsel for education and federal policy at the Medicare Rights Center.

UnitedHealthcare has recouped over $50,000 in medical bills from some of the providers who treated Diamond in New York after her riding accident. She’s paid them about $25,000 so far. Some have agreed to let her pay the amount Medicare would have paid.

But there may be more bills to come. Under New York law, health plans have two years after claims are paid to claw back payments from providers, and providers have three years to sue patients for medical debt. So, while there is still time for Diamond to be billed, the clock will eventually run out.

Diamond plans to sue the broker who manages her company’s health plan and other benefits for negligence.

“The Medicare secondary payment rules basically say that if you didn’t sign up because you didn’t know Medicare was supposed to be primary, that’s on you,” said Melanie Lambert, senior Medicare advocate at the Center for Medicare Advocacy in Connecticut.

Lambert said she has seen the issue “many, many times.” In some instances, if a beneficiary can demonstrate they were misled by an employer or a federal employee, they may qualify for relief or a special enrollment period, she said.

In a 2023 letter to the acting secretary of the Department of Labor, the National Association of Insurance Commissioners advocated applying a “commonsense rule to COBRA plans, individual health insurance, and other coverage sources: those entitled to Medicare Part B but not enrolled in it should not lose benefits they pay for from a non-Medicare coverage source.”

The Department of Labor didn’t respond to a request for comment.

In earlier times, people started collecting Social Security benefits then automatically got Medicare when they turned 65.

Now, enrolling in Medicare is more complicated for many people, said Tricia Neuman, a senior vice president and the executive director of the Program on Medicare Policy at KFF, a health information nonprofit that includes KFF Health News.

“As more people are delaying going on Social Security and delaying going on Medicare, there’s more opportunities for people to make mistakes, and those mistakes are costly,” Neuman said.

Coverage experts say there are no clear requirements for insurers, employers, or the federal government to notify people about how the payment rules governing coordination of benefits between health plans may change when they become eligible for Medicare.

The information appears in a chart in the government’s “Medicare & You” handbook, if someone knows to look for it. But it is not easy to find.

A straightforward fix could solve many of the problems people face in this area, Scherzer said. Since every health plan knows its enrollees’ ages, why not require them to notify people approaching 65 of possible benefit coordination issues with Medicare? “It’s so simple and such a no-brainer.”

KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about KFF.

Subscribe to KFF Health News’ free Morning Briefing.

This article first appeared on KFF Health News and is republished here under a Creative Commons license.

The post Have Job-Based Health Coverage at 65? You May Still Want To Sign Up for Medicare appeared first on kffhealthnews.org



Note: The following A.I. based commentary is not part of the original article, reproduced above, but is offered in the hopes that it will promote greater media literacy and critical thinking, by making any potential bias more visible to the reader –Staff Editor.

Political Bias Rating: Centrist

This content provides a detailed and fact-based account of the complexities and pitfalls associated with Medicare enrollment and coordination of benefits with employer health plans. The tone is neutral, focusing on patient experiences, insurance practices, and systemic challenges without advocating for specific partisan policies. It presents information from multiple stakeholders, including patient advocates, insurers, and government entities, aiming to inform readers rather than promote a political agenda. Such balanced reporting aligns with a centrist perspective that highlights practical issues in healthcare administration without ideological bias.

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Kaiser Health News

The Price You Pay for an Obamacare Plan Could Surge Next Year

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kffhealthnews.org – Daniel Chang – 2025-06-17 04:00:00


Josefina Muralles, a part-time night receptionist in North Miami Beach, struggles to care for her family while relying on subsidized Obamacare coverage. Her household income is too high for Medicaid but qualifies for Affordable Care Act subsidies, which are set to expire at the end of 2025. Without them, premiums could rise by 75% or more, threatening access to critical care. Over 24 million Americans, especially in Florida and Texas, face similar risks. If the subsidies lapse, the uninsured rate could jump by millions. Advocates warn that without swift congressional action, low- and middle-income families will face devastating coverage losses.


MIAMI — Josefina Muralles works a part-time overnight shift as a receptionist at a Miami Beach condominium so that during the day she can care for her three kids, her aging mother, and her brother, who is paralyzed.

She helps her mother feed, bathe, and give medicine to her adult brother, Rodrigo Muralles, who has epilepsy and became disabled after contracting covid-19 in 2020.

“He lives because we feed him and take care of his personal needs,” said Josefina Muralles, 41. “He doesn’t say, ‘I need this or that.’ He has forgotten everything.”

Though her husband works full time, the arrangement means their household income is just above the federal poverty line — too high to qualify for Florida’s Medicaid program but low enough to make Muralles and her husband eligible for subsidized health insurance through the Affordable Care Act marketplace, also known as Obamacare.

Next year, Muralles said, she and her husband may not be able to afford that health insurance coverage, which has paid for her prescription blood thinners, cholesterol medication, and two surgeries, including one to treat a genetic disorder.

Extra subsidies put in place during the pandemic — which reduced the premiums Muralles and her husband paid by more than half, to $30 a month — are in place only through Dec. 31. Without enhanced subsidies, Affordable Care Act insurance premiums would rise by more than 75% on average, with bills for people in some states more than doubling, according to estimates from KFF, a health information nonprofit that includes KFF Health News.

Florida and Texas would be hit especially hard, as they have more people enrolled in the marketplace than other states. Some of their congressional districts alone, especially in South Florida, have more people signed up for Obamacare than entire states.

Like many of the more than 24 million Americans enrolled in the insurance marketplace this year, Muralles was unaware that the enhanced subsidies are slated to expire. She said she cannot afford a premium hike because inflation has already eaten into her household’s budget.

“The rent is going up,” she said. “The water bill is going up.”

Low-income enrollees like the Muralles couple would see the biggest percentage increases in premiums if enhanced subsidies expire.

Middle-income enrollees who earn more than four times the federal poverty line would no longer be eligible for subsidies at all. Those middle-income enrollees (who earn at least $62,600 for a single person in 2025) are disproportionately older, self-employed, and living in rural areas.

Julio Fuentes, president of the Florida State Hispanic Chamber of Commerce, said many of his organization’s members are small business owners who rely on Obamacare for health coverage.

“It’s either this or nothing,” he said.

The Congressional Budget Office estimated that letting the enhanced subsidies expire would, by 2034, increase the number of people without health insurance by 4.2 million. In tandem with changes to Medicaid in the House of Representatives’ reconciliation bill and the Trump administration’s proposed rules for the marketplace, including toughening income verification and shortening enrollment periods, it would increase the number of uninsured people by 16 million over that time period.

A study by the Urban Institute, a nonprofit think tank, found that Hispanic and Black people would see greater coverage losses than other groups if the extra subsidies lapse.

Fuentes noted that about 5 million Hispanics are enrolled in the ACA marketplace, and that Donald Trump won the Hispanic vote in Florida in 2024. He hopes the president and congressional Republicans see extending the enhanced subsidies as a way to hold on to those voters.

“This is probably a good way, or a good start, to possibly grow that base even more,” he said.

Enrollment in the marketplace has grown faster since 2020 in the states won by Trump in 2024. A recent KFF survey found that 45% of Americans who buy their own health insurance identify as or lean Republican, including 3 in 10 who identify as Make America Great Again supporters. Smaller shares identify as Democrats or Democratic-leaning independents (35%) or do not lean toward either party (20%).

Kush Desai, a White House spokesperson, said the rules proposed by the Trump administration, combined with the provisions in the House-passed budget bill, would “strengthen the ACA marketplace.” He noted that the CBO projects the legislation would reduce premiums for some plans about 12% on average by 2034 — but out-of-pocket costs would rise or remain the same for most subsidized ACA consumers.

“Democrats know Americans broadly support ending waste, fraud, and abuse, as The One, Big, Beautiful Bill does, which is why they are desperately trying to change the conversation,” Desai said.

But Lauren Aronson, executive director of Keep Americans Covered, a group in Washington, D.C., representing health insurers, hospitals, physicians, and patient advocates, said it is critical to raise awareness about the likely impact of losing the enhanced subsidies, which are also known as advanced premium tax credits. She is encouraged that Democrats have proposed legislation to extend the enhanced tax credits, and that some Republican senators have voiced support.

What worries Aronson most is that the Republican-controlled Congress is more focused on extending tax cuts than enhanced subsidies, she said. The current bill extending the 2017 tax cuts would increase the federal deficit by about $2.4 trillion over the next decade, according to the CBO, while making the enhanced subsidies permanent would increase the deficit by $358 billion over roughly the same period.

“Congress is moving forward on a tax reconciliation package that purports to benefit working families,” Aronson said. “But if you don’t take care of the tax credits, working families will be left holding the bag.”

Brian Blase, president of Paragon Health Institute, a conservative health policy think tank, said the enhanced subsidies were supposed to be a temporary measure during the covid-19 pandemic to help people at risk of losing coverage.

Instead, he said, the enhanced subsidies facilitated fraud because enrollees did not need to verify their income eligibility to receive zero-premium plans if they reported incomes at or near the federal poverty level.

The enhanced subsidies also worsen health inflation, discourage employers from offering health insurance benefits, and crowd out alternative models, such as short-term insurance and Farm Bureau plans, Blase said.

“Permitting these subsidies to expire would just be going back to Obamacare as it was written,” Blase said. “That is a more efficient program than the program that we have now.”

New rules for the marketplace proposed by the Trump administration in March are already designed to address fraud, said Anna Howard, a policy expert with the American Cancer Society Cancer Action Network, which advocates for increased health insurance coverage. Howard said extending the enhanced tax credits would help ensure that people who are legitimately eligible for coverage can get it.

“We don’t want to see over 5 million people be kicked off their health insurance coverage out of fears of fraud when the policies being proposed don’t necessarily address fraud,” she said.

Without affordable premiums, many consumers will turn to short-term health plans, health care cost-sharing ministries, and other forms of coverage that do not have the benefits or protections of the health law, she said.

“These are plans that don’t provide coverage for prescription drugs, or they have lifetime and annual limits,” she said. “For a cancer patient, those plans don’t work.”

Though the enhanced subsidies do not expire until the end of the year, the Blue Cross Blue Shield Association would prefer Congress to act by fall to avoid confusion during open enrollment, said David Merritt, a senior vice president. Insurers are preparing rates to meet state deadlines. By October, consumers will receive 60-day plan renewal notices with their 2026 premiums.

Without enhanced subsidies, Merritt said, competition in the marketplace will wither, leading to fewer coverage options and higher prices, especially in states that have not expanded Medicaid eligibility and where Obamacare enrollment spiked during the past four years, like Florida and Texas. “Voters and patients are really going to see the impact,” he said.

Republican and Democratic representatives for some of the Florida congressional districts with the highest numbers of people in the marketplace did not respond to repeated interview requests.

Muralles, of North Miami, Florida, said she wants her representatives to work in the interest of constituents like herself, who need health insurance coverage to care for their families.

“Now is the time to prove to us that they are with us,” Muralles said. “When everybody’s healthy, everybody goes to work, everybody can pay taxes, everybody can have a better life.”

KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about KFF.

Subscribe to KFF Health News’ free Morning Briefing.

This article first appeared on KFF Health News and is republished here under a Creative Commons license.

The post The Price You Pay for an Obamacare Plan Could Surge Next Year appeared first on kffhealthnews.org



Note: The following A.I. based commentary is not part of the original article, reproduced above, but is offered in the hopes that it will promote greater media literacy and critical thinking, by making any potential bias more visible to the reader –Staff Editor.

Political Bias Rating: Center-Left

The content primarily advocates for the continuation of enhanced subsidies under the Affordable Care Act, highlighting the potential negative impacts on low- and middle-income Americans if these subsidies expire. It includes voices concerned about healthcare affordability and coverage losses, emphasizing the human and economic consequences. While it does present perspectives from conservative sources criticizing the subsidies and noting fraud concerns, the overall tone and framing favor sustaining or expanding government healthcare support, which aligns with center-left policy priorities. The article avoids overt partisan rhetoric, aiming for a balanced but slightly progressive leaning on health policy matters.

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Kaiser Health News

A Revolutionary Drug for Extreme Hunger Offers Clues to Obesity’s Complexity

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kffhealthnews.org – Claire Sibonney – 2025-06-16 04:00:00


Dean Shenk, a teen with Prader-Willi syndrome—a rare genetic disorder causing insatiable hunger—found life-changing relief through Vykat XR, a new FDA-approved drug that regulates hunger signals in the brain. Once at constant risk of life-threatening binge episodes, Dean now experiences calmer behavior, increased muscle mass, and a healthier life. Though the drug costs over \$466,000 annually, its impact is profound. Vykat XR marks progress in obesity treatment, revealing obesity’s complex roots and aiding broader research. However, federal funding cuts threaten such breakthroughs, prompting concerns from researchers who rely on NIH-backed support to continue developing treatments for rare and genetic disorders.


Ali Foley Shenk still remembers the panic when her 10-year-old son, Dean, finished a 20-ounce box of raisins in the seconds the cupboard was left unlocked. They rushed to the emergency room, fearing a dangerous bowel impaction.

The irony stung: When Dean was born, he was so weak and floppy he survived only with feeding tubes because he couldn’t suck or swallow. He was diagnosed as a baby with Prader-Willi syndrome — a rare disorder sparked by a genetic abnormality. He continued to be disinterested in food for years. But doctors warned that as Dean grew, his hunger would eventually become so uncontrollable he could gain dangerous amounts of weight and even eat until his stomach ruptured.

“It’s crazy,” said Foley Shenk, who lives in Richmond, Virginia. “All of a sudden, they flip.”

Prader-Willi syndrome affects up to 20,000 people in the U.S. The most striking symptom is its most life-threatening: an insatiable hunger known as hyperphagia that prompts caregivers to padlock cupboards and fridges, chain garbage cans, and install cameras. Until recently, the only treatment was growth hormone therapy to help patients stay leaner and grow taller, but it didn’t address appetite.

In March, the Food and Drug Administration approved Vykat XR, an extended-release version of the existing drug diazoxide choline, which eases the relentless hunger and may offer insights into the biology of extreme appetite and binge eating. This breakthrough for these patients comes as other drugs are revolutionizing how doctors treat obesity, which affects more than 40% of American adults. GLP-1 agonist medications Ozempic, Wegovy, and others also are delivering dramatic results for millions.

But what’s becoming clear is that obesity isn’t one disease — it’s many, said Jack Yanovski, a senior obesity researcher at the National Institutes of Health, who co-authored some of the Vykat XR studies. Researchers are learning that obesity’s drivers can be environmental, familial, or genetic. “It only makes sense that it’s complex to treat,” Yanovski said.

Obesity medicine is likely heading the way of treatments for high blood pressure or diabetes, with three to five effective options for different types of patients. For example, up to 15% of patients in the GLP-1 trials didn’t respond to those drugs, and at least one study found the medications didn’t significantly help Prader-Willi patients.

Yet, researchers say, efforts to understand how to treat obesity’s many causes and pathways are now in question as the Trump administration is dismantling the nation’s infrastructure for medical discovery.

While Health and Human Services Secretary Robert F. Kennedy Jr. promotes a “Make America Healthy Again” agenda centered on diet and lifestyle, federal funding for health research is being slashed, including some grants that support the study of obesity. University labs face cuts, FDA staffers are being laid off en masse, and rare disease researchers fear the ripple effects across all medical advances. Even with biotech partnerships — such as the work that led to Vykat XR — progress depends on NIH-funded labs and university researchers.

“That whole thing is likely to get disrupted now,” said Theresa Strong, research director for the Foundation for Prader-Willi Research.

HHS spokesperson Andrew Nixon said in a statement that no NIH awards for Prader-Willi syndrome research have been cut. “We remain committed to supporting critical research into rare diseases and genetic conditions,” he said.

But Strong said that already some of the contacts at the FDA she’d spent nearly 15 years educating about the disorder have left the agency. She’s heard that some research groups are considering moving their labs to Europe.

Early progress in hunger and obesity research is transforming the life of Dean Shenk. During the trial for Vykat XR, his anxiety about food eased so much that his parents began leaving cupboards unlocked.

Jennifer Miller, a pediatric endocrinologist at the University of Florida who co-led the Vykat XR trials, treats around 600 Prader-Willi patients, including Dean. She said the impact she’s seen is life-changing. Since the drug trial started in 2018, some of her adult patients have begun living independently, getting into college, and starting jobs — milestones that once felt impossible. “It opens up their world in so many ways.”

Over 26 years in practice, she’s also seen just how severely the disease hurts patients. One patient ate a four-pound bag of dehydrated potato flakes; another ingested all 10 frozen pizzas from a Costco pack; some ate pet food. Others have climbed out of windows, dived into dumpsters, even died after being hit by a car while running away from home in search of food.

Low muscle tone, developmental delays, cognitive disabilities, and behavioral challenges are also common features of the disorder.

Dean attends a special education program, his mother said. He also has narcolepsy and cataplexy — a sudden loss of muscle control triggered by strong emotions. His once-regular meltdowns and skin-picking, which led to deep, infected lesions, were tied to anxiety over his obsessive, almost painful urge to eat.

In the trial, though, his hyperphagia was under control, according to Miller and Dean’s mother. His lean muscle mass quadrupled, his body fat went down, and his bone mineral density increased. Even the skin-picking stopped, Foley Shenk said.

Vykat XR is not a cure for the disease. Instead, it calms overactive neurons in the hypothalamus that release neuropeptide Y — one of the body’s strongest hunger signals. “In most people, if you stop secreting NPY, hunger goes away,” said Anish Bhatnagar, CEO of Soleno Therapeutics, which makes the medication, the company’s first drug. “In Prader-Willi, that off switch doesn’t exist. It’s literally your brain telling you, ‘You’re starving,’ as you eat.”

GLP-1 drugs, by contrast, mimic a gut hormone that helps people feel full by slowing digestion and signaling satiety to the brain.

Vykat XR’s possible side effects include high blood sugar, increased hair growth, and fluid retention or swelling, but those are trade-offs that many patients are willing to make to get some relief from the most devastating symptom of the condition.

Still, the drug’s average price of $466,200 a year is staggering even for rare-disease treatments. Soleno said in a statement it expects broad coverage from both private and public insurers and that the copayments will be “minimal.” Until more insurers start reimbursing the cost, the company is providing the drug free of charge to trial participants.

Soleno’s stock soared 40% after the FDA nod and has held fairly steady since, with the company valued at nearly $4 billion as of early June.

While Vykat XR may be limited in whom it can help with appetite control, obesity researchers are hoping the research behind it may help them decode the complexity of hunger and identify other treatment options.

“Understanding how more targeted therapies work in rare genetic obesity helps us better understand the brain pathways behind appetite,” said Jesse Richards, an internal medicine physician and the director of obesity medicine at the University of Oklahoma-Tulsa’s School of Community Medicine.

That future may already be taking shape. For Prader-Willi, two other notable phase 3 clinical trials are underway, led by Acadia Pharmaceuticals and Aardvark Therapeutics, each targeting different pathways. Meanwhile, hundreds of trials for general obesity are currently recruiting despite the uncertainties in U.S. medical research funding.

That brings more hope to patients like Dean. Nearly six years after starting treatment, the now-16-year-old is a calmer, happier kid, his mom said. He’s more social, has friends, and can focus better in school. With the impulse to overeat no longer dominating his every thought, he has space for other interests — Star Wars, American Ninja Warrior, and a healthy appreciation for avocados among them.

“Before the drug, it just felt like a dead end. My child was miserable,” Foley Shenk said. “Now, we have our son back.”

KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about KFF.

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This article first appeared on KFF Health News and is republished here under a Creative Commons license.

The post A Revolutionary Drug for Extreme Hunger Offers Clues to Obesity’s Complexity appeared first on kffhealthnews.org



Note: The following A.I. based commentary is not part of the original article, reproduced above, but is offered in the hopes that it will promote greater media literacy and critical thinking, by making any potential bias more visible to the reader –Staff Editor.

Political Bias Rating: Center-Left

The content focuses on a health and medical research topic, highlighting advances in treating a rare genetic obesity disorder and the broader challenges in obesity research. It criticizes policies under a Trump administration for cutting federal health research funding and disrupting medical discovery, a critique more commonly aligned with center-left perspectives that advocate for strong public investment in science and healthcare. While the piece is largely factual and informative, its framing around funding cuts and administration policies suggests a mild bias to the center-left, emphasizing the importance of government support in medical innovation.

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