Deer In Headlines II

By Gery Deer

The shocking murder of the UnitedHealthcare CEO, 50-year-old Brian Thompson, has had a ripple effect on public opinion towards health insurance companies. As information continues to unfold about the alleged killer, Luigi Mangione, it’s becoming clear that the man’s motivation was likely related to coverage disputes.

But what does this mean going forward? Has this man’s terrible action awakened scrutiny toward all health insurance companies, or was it the act of one disturbed individual who felt his only recourse was to take matters into his own murderous hands? We may never know the answer to the latter, which begs even more questions.

Is it likely there will be copycat crimes? Is the public’s temperature so high towards these companies that the shooter was merely the first to act on what countless others may have imagined? Many insurers seem to think so and have begun removing senior staff members’ names, bios, and photos from company websites to prevent another such incident.

Since the moment the tragic event was reported, social media buzzed with emotional speculation. Anger, frustration, and, strangely enough, sympathy towards the alleged killer have emerged from many who have felt the sting of corporate healthcare.

Some of the reactions to this man’s horrific death were downright grim. One example of such dark commentary went something like this, “Did he die quickly, or was he waiting to see if his insurance would cover treatment?” Most were worse. Many were unrepeatable.

I would caution anyone who sees this terrible act as some sort of statement against the status quo of health insurance in our country. Nor should you fit the assailant with a white hat or call him Robin Hood. Nothing could be further from the truth. Social banditry aimed at an unimaginable public slaying isn’t going to resolve the health insurance crisis any more than political pundits can.

It’s unlikely that this event will alter the operational procedures of health insurance companies in any way. There’s little argument against the idea that the American healthcare system is beyond disastrous. Sadly, there is simply too much money on the line at the top of these corporations for any real action that might benefit the consumer. If anything, premiums continue to rise while more and more claims are rejected.

Since 2019, average family healthcare policy premiums have increased as much as 24%, with individual coverage not far behind. Even if you can afford coverage, there’s a good chance your claim – regardless of the necessity of treatment – will be denied. A Keiser Family Foundation study reported that health insurance companies denied an average of 17% of claims, with some reaching as high as 49%, even for in-network care. In short, it’s not getting any better, and there are no signs that this incident will move that needle in a positive direction.

There’s also the problem of sympathetic influencers and media whipping up a potentially dangerous movement akin to what we saw at the U.S. Capitol on January 6. This time, instead of political ideology to light the fire of unrest, it’s something more people can relate to. We’ve all had claims denied or medical bills shockingly higher than expected due to “out of network” notices or other corporate nonsense. Human suffering can be a highly motivating reason to take to arms, and now we’ve seen the alleged result of one disturbed individual’s response to it.

Our system is in bad shape, no question, yet this isn’t how to resolve it. In my opinion, we’re aiming at the wrong target (no pun intended). The biggest problem isn’t the insurance companies but the colossal and unregulated healthcare costs they’re meant to mitigate.

Billions of dollars pass through hospital doors daily, and the government allows it. They’ll break up Google or Microsoft over trivial anti-trust issues. But even suggesting that some behemoth healthcare system should have its revenue capped sends Congress into a frenzy.

Why? Money. Millions in donations, lobbying cash, and back-door deals on both sides of the aisle will forever prevent any reduction of the staggeringly high costs we pay for healthcare. Unless that changes, we’re perpetually at the mercy and living the network of the stockholders of these massive insurance conglomerates.