I applaud the Biden team and @ERIC_Yale’s focus on equity in the vaccine rollout, working to address what this pandemic has been a harsh reminder of: too many Americans of color face vast inequality in our health care system. And it’s systemic.
As health insurers have pushed premiums and deductibles higher over the past decade, people of color, especially those with lower incomes than whites, have been harmed disproportionately.
In 2019, before the pandemic, the U.S. Census found the median white household had $76,000 a year in income. That number dropped to $56,000 for hispanic households, and $45,000 for black households.
For those families who are above Medicaid eligibility but still living paycheck-to-paycheck as more and more Americans now do, the insurer-led increase in high deductibles and co-pays over the last decade has hurt Black and Latino Americans more than their white counterparts.
Now, the pandemic has worsened our nation’s racial equity health problems.
Black Americans are *three times* as likely as whites to die from COVID-19. And in the pandemic’s first six months, indigenous, Black and Latino Americans were *four times* more likely to be hospitalized with COVID-19 than their white counterparts.
I am happy to hear @ERIC_Yale discuss the need for sustained focus on these inequities in our system, beginning with vaccine distribution.
The Biden team’s work can’t stop there.

A focus on rising deductibles and co-pays, which burden Americans of color the most, must be a top priority of health reforms to follow the pandemic.
To understand just how devastating high deductible health plans (HDHPs) are to people of color, just look at the findings of a Boston University study last year that looked at the effect of HDHPs on cancer treatment.
BU researchers found that 24.6% of Black cancer patients on HDHPs took less medication in order to save money, compared to 8.6% of white patients on similar plans.
They also found that 28.1% of black patients and 7.7% of white patients on HDHPs delayed filling a prescription in order to save money, much higher than the 16.2% of Black patients and 7.1% of white patients on other types of plans.
And 14.9% of Black patients on HDHPs couldn’t afford a specialist compared with 6.2% of white patients. On other types of plans, 4.9% of Black patients and 2.9% of white patients could not see a specialist for financial reasons.
"Enrollment in HDHPs may compound the many structural inequities that Black cancer survivors are already facing, which may further drive disparities in health outcomes for survivors,” the researchers wrote.
Biden team: You know Black communities are being hit the hardest during this pandemic, but Black patients with cancer and other diseases are being hit even harder by a system that permits insurers to saddle Americans with deductibles they can’t meet.

• • •

Missing some Tweet in this thread? You can try to force a refresh
 

Keep Current with Wendell Potter

Wendell Potter Profile picture

Stay in touch and get notified when new unrolls are available from this author!

Read all threads

This Thread may be Removed Anytime!

PDF

Twitter may remove this content at anytime! Save it as PDF for later use!

Try unrolling a thread yourself!

how to unroll video
  1. Follow @ThreadReaderApp to mention us!

  2. From a Twitter thread mention us with a keyword "unroll"
@threadreaderapp unroll

Practice here first or read more on our help page!

More from @wendellpotter

28 Jan
I know @joebiden means well in reopening the enrollment period for ACA marketplaces, so more people can sign up for coverage. But as an expert in the health insurance industry, I have a big concern: many people who sign up for these plans won’t be able to use them. Here’s why:
Many who sign up for an Obamacare plan can’t use it because they have to pay thousands out of pocket before coverage kicks in. A recent Commonwealth Fund study found 42 % who bought coverage through exchanges were underinsured because of the amount they had to pay out-of-pocket.
Almost 1/3 with coverage through employers are underinsured because of unaffordable deductibles. More than 1/4 with crappy insurance -- that’s what it is -- said they delayed needed care because of the cost & nearly half said they had medical bill and debt problems.
Read 8 tweets
22 Jan
As millions of Americans celebrated @potus's inauguration, some of my former colleagues in the health insurance industry were quietly celebrating some news of their own: their *most profitable year ever*. That’s right: insurance companies made a fortune during a pandemic. (1/11)
Just hours before @joebiden took the oath of office, UnitedHealthcare quietly released the news that it had blown away Wall Street's most optimistic profit expectations for 2020, the year of the worst public health crisis in our lifetime that’s seen 400,000 Americans die. (2/11)
The company reported that although it insured fewer people in the US in 2020 than in 2019, it took in $15 billion more in revenues. One of the ways it was able to pull that off? By paying far fewer claims last year than the year before. Again, this was during a pandemic. (3/11)
Read 11 tweets
13 Jan
There’s been a lot of talk lately about big corporations (eg, Amazon, Verizon, Comcast, etc) deciding to stop giving $ to House & Senate Republicans who voted to overturn @JoeBiden’s election. Guess which giants aren't on that list? America's big for-profit health insurers. (1/8)
Over the past 2 election cycles, Big Insurance has donated to just about all the 147 House & Senate Republicans who voted against certifying the election. That includes Cigna & Humana, where I once worked, and Centene & CVS/Aetna. Plus the industry's lobbying group, AHIP. (2/8)
The Blue Cross Blue Shield Association, which represents a lot of nonprofit insurers & for-profit Anthem, says it’s suspending donations to those Republicans. And UnitedHealth says it will “pause” its political donations. But let’s see how long these “pauses” actually last. (3/8)
Read 8 tweets
29 Dec 20
As a former health insurance exec, I can tell you my old colleagues are gearing up for the mother of all propaganda campaigns to keep @JoeBiden & Congress from enacting a public option (or any reform for that matter). Don’t believe me? Let's take a trip down memory lane... (1/7)
When I was an insurance industry spin doctor, I helped plan & execute the playbook to keep much-needed reforms from seeing the light of day. The playbook is old, but it works like new. In the 1990s, we kept the Clinton reform plan from even getting a final vote in Congress. (2/7)
Our disinformation campaign weaponized terms like “government-run healthcare” & “socialized medicine” to scare Americans about the Clinton plan. In 2001, we deployed similar tactics to kill the bipartisan Patients' Bill of Rights Act. (3/7)
Read 7 tweets
22 Dec 20
Many are asking my view on the “surprise billing” fix that Congress passed last night. There are many details to review, but put it this way: The stock price of most of the big insurers dropped big-time yesterday. If their shareholders are upset, that's good news! (1/7)
As a former health insurance exec, I know my old colleagues & Wall Street worked hard to make sure this legislation boosted their bottom line. But it appears lawmakers changed it just enough at the last minute to dash the insurers’ hopes of windfall profits. Here’s how: (2/7)
If a previous version of this bill had passed, it would have let insurers slash payment to thousands of doctors in independent practice. This would have sent more physician practices into the arms of big hospital systems. How would this affect patients & consumers? Read on. (3/7)
Read 7 tweets
15 Oct 20
Judge Barrett says she'd base rulings about health insurance on how "the founders" might have intended. This might make sense if health insurance companies actually existed then. As a former insurance exec, here's why her approach is laughable when it comes to healthcare: (1/10)
A huge part of the ACA is the rule that bars insurance companies from dumping Americans with "preexisting conditions." Well, in 1787, our founders were not thinking about this. Why? The term didn't exist yet, and neither did the insurance companies to refuse to cover them. (2/10)
My old company, Cigna, started in 1792, but wouldn't get into health insurance until the 1900s. Ben Franklin was one of the founders - but Ben knew little about health insurance. Why? In his day, the company insured ships & later got into the fire insurance business.  (3/10)
Read 10 tweets

Did Thread Reader help you today?

Support us! We are indie developers!


This site is made by just two indie developers on a laptop doing marketing, support and development! Read more about the story.

Become a Premium Member ($3/month or $30/year) and get exclusive features!

Become Premium

Too expensive? Make a small donation by buying us coffee ($5) or help with server cost ($10)

Donate via Paypal Become our Patreon

Thank you for your support!

Follow Us on Twitter!