Good evening everyone, at this point I don’t know what else to do but ask for help. I recently got a job doing 10-99 work and had to get insurance through a broker. I did my due diligence before and made sure I went with a company and agent that had all the correct documents so I wasn’t getting scammed but here I am. Going through the process he gave me 20 different plans to choice from. We narrowed it down to a plan that works for me and my pregnant wife and 2 other kids. We got the Summary of benefits and coverage and absolutely loved the plan so we paid for it. The insurance started today and the card we got is completely different than what we signed up for. I went back through to see if I missed anything and I didn’t. Is there anything I can do? My wife is due in December and the plan we chose had $0 OOP, deductible and specialist visit, hospital cost but higher premiums $2,500. Now it is $100 per specialty visit, $500 copay for hospital visit with the same premiums. My wife is going every week to her obgyn for the rest of the year. I messaged the broker and his response was “yes, unfortunately, last minute they did decide to add co pays to the doctors but everything else is still the same “. I was never notified of any of these changes and not what I signed. If anyone has any advice at all on what i can do i would appreciate it. Thank you all in advance if you read this and have any advice🙂

You guys alright with this?

I am a final-year MD student currently studying in the Philippines. Somewhere along the way, I completely lost interest in clinical medicine. I am looking for guidance on how to transition into a new career path with or without a masters and relocate to a country with better professional opportunities once I earn my degree. I am interested in administrative or health-tech roles related to healthcare, provided they do not require incurring significant student debt and offer a strong job market.

I saw Homer Simpson episod asking to astronaut things like this.

Federal efforts to increase PBM transparency are putting greater attention on whether changes to rebates and compensation ultimately lower pharmacy costs.

In August, Yale researchers led by Alison Galvani published an analysis (https://www.medrxiv.org/content/10.64898/2026.07.22.26358689v1) estimating that a Medicare-for-All-style system would cut national health spending by $1.04 trillion a year — about 20% — while covering everyone. It's a preprint, not peer-reviewed, and the savings lean on three big assumptions stacked together (drug pricing, provider rates, one billing system). Stress-test those down to something more conservative and the number shrinks a lot. It doesn't disappear, though — some real savings survive almost any reasonable version of the model, which ended up mattering more to me than the headline figure.

That's basically what the Congressional Budget Office found (https://www.cbo.gov/publication/57637) too, back in 2022, modeling five illustrative single-payer designs: results ranged from a $700B decrease to a $300B increase in national spending, depending almost entirely on how providers get paid. The financing label doesn't determine the outcome. The rules inside it do.

So which rules actually work? Maryland's been testing one answer since 2014 — every hospital paid under the same regulated rates, on a global budget instead of fee-for-service. Hospital expenditure growth has run 8.74 points below the national average, saving Medicare an estimated [$1.6B](https://www.mathematica.org/publications/evaluation-of-the-maryland-total-cost-of-care-model-progress-report), and a 2025 Health Affairs study, (https://www.healthaffairs.org/doi/abs/10.1377/hlthaff.2025.01324) found utilization dropped 11 points more than in comparable states. Nobody had to abolish private insurance. CMS liked it enough to build its new AHEAD model (https://www.cms.gov/priorities/innovation/innovation-models/ahead) directly on Maryland's template.

Put those together and I don't think the honest answer is "pass 'Medicare for All' in one vote and hope." I believe it's a sequence: fix provider prices and hospital incentives first (the biggest, best-tested levers), negotiate drug prices without betting the whole plan on it, standardize the paperwork, then build a public option that covers the people the current system already fails — and only let it expand as far as the results justify. Nobody's employer coverage gets ripped up overnight, and nobody has to win an argument about the size of government first.

I laid the whole thing out step by step, with sources: [A Step-by-Step Path to Medicare for All (https://brokenpromiseshealthcare.org/step-by-step-path-to-medicare-for-all)

A phased in approach seems better to me than betting everything on Day One. I am sure a lot of you disagree with me. I would like to hear your ideas.

‘Murica

I applied a the major hospitals in Houston. (Methodist, MDA, Texas Children’s) Has anyone heard back about interviews? The MD Anderson website says interviews start tomorrow but I haven’t heard a thing. Feeling bummed because I got a first round interview last year. At least a rejection would end my suffering lol

The Florida suit keeps getting posted like “see PBM logos are cosplay.”

It’s Prime and Express Scripts. Pharmacies are mad reimbursement went down after a 2019 contracting deal. Fine. That’s a pharmacy payday story.

It is not “patients got robbed” and it is not “nobody competes.” Plans still shop PBMs. Prime still does its own claims. Sharing manufacturer leverage is how you don’t pay list price like an idiot.

If every bit of scale gets called co-opetition, the only PBM people will accept is one too weak to negotiate. Cool slogan. Terrible benefit.