Sometimes you just gotta geek out over what’s happening in health care even if its implications are years away.

In 2014, Google CEO, Sergey Brin, complained about “heavily regulated” health care that discouraged health care tech entrepreneurship. Last week Google emerged from secret talks with Ascension health system with a deal (Project Nightingale) to analyze and store health care and administrative data. Meanwhile, Amazon, who never shared Google’s timidity on health care, announced its third major health care venture in the last two years—the Amazon Care app. The rollout of the Amazon Care app for its Seattle-based employees comes after Amazon purchased online pharmacy PillPack in 2018 and teamed with Berkshire Hathaway and JPMorgan Chase to create the healthcare company, Haven. It seems like tech companies have found a remedy for health care’s regulatory headaches, or maybe it’s the chance for health care tech glory that they can’t walk away from.

There’s A Lot of Potential In Health Care Data Tech

It’s not surprising that Google changed its mind and inked a health care data deal. Google so wants to join the list of artificial intelligence (AI) pioneers, and having access to mounds of health care data is the first step to AI glory. Seriously, most health care systems around the world currently have AI projects to analyze health care data and monitor patients. And robotic surgery and robotic-assisted surgery has been a thing for well over a decade. Future AI health care projects may include machines that perform tasks currently done by health care professionals. When you think about it, the idea that if you compile enough data from multiple sources (doctors’ notes, physical exams, diagnostic images, etc.), you can teach a computer to diagnose and treat diseases is pretty cool.

Ascension also has a lot to gain if Google can manipulate the millions of patient data records into an AI system that can diagnose and treat diseases. Imagine the savings hospitals would realize if computers could replace some of the doctors and other health care specialists they would otherwise hire to perform these tasks. And it’s not just the potential savings of using artificial intelligence in health care, AI could reduce health care errors and allow hospitals to serve more patients.

Okay, I’m obviously fascinated by the possibilities of AI in health care. And if big tech can meet the privacy and security standards set by federal laws such as HIPAA, I say bring it on. We’ve already given up a lot of our privacy when it comes to health care. We’re willing to wear activity tracking devices, fill out online health risk assessments, and use telemedicine services all in the hope of improving our health or paying less for health care.

While Individual Privacy Concerns Decreases, Regulators Remain Alert

Ten years ago when I was working in private sector Human Resources benefits departments, health care data privacy was a big deal. Many workers balked at completing health risk assessments (HRA) because they thought their employers would use any “negative” health data from the assessment to fire them. They didn’t like the idea of their employer having such personal data. The Equal Employment Opportunity Commission weighed in on workplace wellness programs that charged higher health insurance plan premiums to workers that refused to complete a health risk assessment. Today, you rarely hear about health risk assessment privacy issues. But that’s not to say that privacy and security are not important in health care. The Health Insurance Portability and Accountability Act of 2003 (aka HIPAA) is a reminder to anyone who has or wants to access health care data of how seriously federal regulators take health care data privacy and security.

Between April 2003 and October 2019, the Department of Health and Human Services (HHS) received nearly 221,000 health privacy complaints. Continue Reading...

Tags: health care , health care privacy, HIPAA, Google, Ascension, HHS

ACA Lowest Cost Health Insurance Plan Option For An Individual - 2020/Virginia



ACA Highest Cost Health Insurance Plan Option For An Individual - 2020/Virginia




The Healthcare.gov enrollment period started a week ago, on November 1. Like millions of people who must pay 100% of the health insurance premium insurers charge, I held my breath and prepared for the worst. Due to technological difficulties, I wasn’t able to log on to the site on the first day. No worries, there are benefits to delaying bad news. One is that you become irrationally optimistic.

Although it’s never happened before, I thought, maybe my individual private health insurance premiums would decrease. There are several reasons why they should.

1. Last month I received a $99 refund, aka, medical loss ratio (MLR) rebate, from Cigna (based on Cigna’s 2018 MLR). The MLR rebate provision of the Affordable Care Act “requires health insurers to pay rebates to policyholders if the insurer fails to spend at least 80% to 85% of total premium revenue on medical claims and health care quality improvement activities (as opposed to administrative and marketing expenses and profits).”
2. Cigna is financially strong. It’s 2019 third-quarter profits and revenues were up at $38.6 billion and $35.8 billion, respectively.
3. The federal government’s Health and Human Services Department reports that health care premiums overall are decreasing in 2020.
4. I’ve never needed medical care in my adult life. I’ve never been ill, injured, pregnant, or taken a prescription drug.
5. I’m currently paying an extortionist, unsubsidized monthly premium for my Cigna EPO health plan (per my monthly email reminder).

Tags: health insurance , obamacare, Affordable Care Act