Abandoned babies.docx
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Abandoned babies.docx
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Abandonedbabies
HealthcareinAmerica
Thegeekguidetoinsurance
AnattempttochangeAmerica’smostarcaneindustryforthebetter
Apr5th2014 | Fromtheprintedition
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Weprescribetechnology
MOSTAmericansviewhealthinsurersonlyslightlymorefavourablythantheydothieves.Butanewinsurancecompany,Oscar,wantstobeanally.“Wedidn’tstartthiscompanybecausewelovehealthinsurance,”explainsanadvertisementontheNewYorksubway.“Quitetheopposite,infact.”
Oscaristhebrainchildofthreeyoungmen,JoshuaKushner,KevinNazemiandMarioSchlosser,wholovetechnologyinstead.SixmonthsagoitbegansellinginsuranceinNewYorkCityandnearbycounties.UndertherulesoftheAffordableCareAct,betterknownasObamacare,AmericanshaduntilApril1sttochooseinsurancefor2014.Oscar’sfoundershopeNewYorkerschosethem.Theirgoalissimple—somesaynaive:
totransformAmericanhealthcare.
Inthissection
∙Twoheadsareworsethanone
∙Whatdoyourecall?
∙Thegeekguidetoinsurance
∙Theriseofthecheapsmartphone
∙MittelstandandMiddleKingdom
∙Lettinggo,slowly
∙TheMayfairshuffle
∙Flowerpower
Reprints
Relatedtopics
∙PatientProtectionandAffordableCareAct
∙Insurance
∙Healthinsurance
∙Business
∙Personalfinance
Itsurelyneedstransforming.Americaspends17%ofitsGDPonhealth,yetitspeoplearenotparticularlyhealthy.Asickpatient,tryingtounderstandhisinsurance,islikelytoneedfurthercareafterbanginghisheadagainstthewall.Allthiswouldsuggestanindustryripefordisruption,intheargotofHarvardBusinessSchool,whereOscar’sfoundersweretrained.
Obamacarehaspushedthingsalong.Thelawcreated“exchanges”whereinsurerscanselldirectlytoconsumers.McKinsey,afirmofconsultants,counts80companiesthathaveenteredthismarket.Many,however,areeitherhospitalsthathavebegunsellinginsuranceorfirmsthatalreadymanagedcoverageforMedicaid,thehealthprogrammeforthepoor.Oscarisarareprivate,independentinsurer.
MrKushner,aventurecapitalistwhobackedInstagram,aphoto-sharingappboughtbyFacebookin2012,decidedtostartaninsurerafterheopenedaconfusinghealthbill.Heandhisco-founderschoseNewYork,anotoriouslycomplexmarket,becausetheylivethere.Buttheyhaveasweepingvision.“Alotoftheproblemsthatwethinkexistinthehealth-insuranceworldcanbesolvedwithtechnology,”MrKushnerbelieves.
Thisambitionabutstheunfortunaterealitythatbeinganinsurerisapain.Oscarhiredlawyerstogatherthethousandsofpagesneededtoapplyforaninsurancelicence.Itsetaside$29mtomeetNewYork’srequirementsforcapitalreserves.Tomeetstrictstandardsforthenumberandlocationofdoctorswhereaninsurermustpayforcare,itispayinganothercompanyforaccesstoitsnetworkofclinicsandhospitals.Obamacarerequirescompaniestocovercertainbenefits.Italsosetstightrulesfortheshareofhealthcoststhataninsurermustpay.Ontopofthis,companiescannotchargeasickpersonmorethanahealthyone.AndinNewYork,theycannotvarypricebyaperson’sage,either.
Despitealltheserules,Oscarhopestodifferentiateitselfbymakinggoodcareeasiertofind.ApatientcanlogontoOscar’swebsiteandseehisrecentdoctor’svisitsanddrugpurchases,inthesamewayhecanseehistimelineonFacebook.Enterasymptomsuchas“mytummyhurts”intoOscar’ssearchengine,andtheenginepresentspossibleconditions,aswellasalistofclinicsanddoctors,withtheaveragepricebesideeachoption.
Toencouragepatientstotakecareofthemselves,Oscaroffersfreegenericdrugsandafewfreevisitstogeneralpractitionerseachyear.Virtualdoctor’sappointments,ortelevisits,areavailableallday.Overtime,saysMrSchlosser,“we’regoingtorecommendcareinsmartways,inthewaythatAmazonrecommendsbooks.”Thismightseemcreepytosome;toothers,itwillbehelpful.AndOscarplanstodomore.ItsstaffincludesformerleadersatFoursquareandTumblr,twocelebratedstartups.InJanuaryitraised$30m,ontopofaprevious$45m,toexpanditsteam.
Allthisisnewandexciting.Unfortunately,insurers’successrestsontwoold-fashionedfactors:
whobuysyourproductandwhetheryourpricecoversyourcosts.Oscaraccountedforjust2%ofNewYork’searlysign-ups.Itspremiumsarelow,about50-60%belowthoseofUnitedHealth,America’sbiggestcarrier.MrSchlossersaysthatOscar’sinnovations,suchastelevisits,willreducecosts.MrKushnerseemsunworriedbybigger,oldercompanies.“Hopefully,”hesays,“therestofourcompetitorscancopyus,becausewethinkthat’swhatwillraisethestandardofcareforAmerica.”
Japanesewhaling
Harpooned
Atlast,itlookslikecurtainsforthecountry’s“scientific”slaughter
Apr5th2014 | TOKYO | Fromtheprintedition
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Badscience
INONEofTokyo’soldestwhalerestaurants,Kujiraya,thewhiffofresentmentlingersalongwiththecloyingsmelloffriedwhalemeatascustomersdigestunwelcomenewsfromTheHague.OnApril1sttheInternationalCourtofJusticelegallyskeweredJapan’s“scientific”whalehuntstotheAntarcticOcean.Thehuntispartlypaidforbythesaleofmeattohigh-endrestaurantssuchasthisone,whichiswhyopponentsbranditasillegalcommercialwhalingindisguise.
TothesurpriseofJapan’ssmallbandofwhale-meatlovers,thecourtagreed.Twelveofits16judgessidedwithAustralia,whichbroughtthecase,sayingthatJapanhadnoscientificreasontocullabout1,000Antarcticwhaleseachyear.Thecourtnotedthattheresearchhadproducedjusttwopeer-editedpapersinadecade,ineffecttuggingawaythefigleafusedtokeepJapan’swhalingprogrammealivesincetheinternationalmoratoriumin1986whichendedcommercialhunts.
Inthissection
∙Democracy’sbigbang
∙Muckingitup
∙Harpooned
∙Criminalrelations
∙Don’tcountonit
Reprints
Relatedtopics
∙Environmentalproblemsandprotection
∙Japan
∙Whaling
∙Natureandtheenvironment
ThegovernmenthaslongarguedthatwhalingisanancientJapanesetradition.Maintainingtheargumenthasbeencostly.AreportbytheInternationalFundforAnimalWelfaresaysJapanhasineffectnationaliseditswhalingprogramme,subsidisingittothetuneof$400msince1988.EverfewerJapaneseeatwhalemeat.Forthemiddle-ageddiners,avisittoKujirayaisanexpensiveculinarytripdownmemorylane(industrialwhalingexpandedafter1945,whenaravagedcountrywasdesperateforfreshsourcesofprotein).Over5,000tonnesnowsitsunsoldindeepfreezes.
TheHaguedecisioncomesatakeymoment.RisingoilpricesandextrasecuritytoprotectthewhalingfleetfromattacksbymilitantenvironmentalistshavepushedthecostofeachannualAntarcticculltoover$10m,saysAtsushiIshii,anexpertonJapan’senvironmentalpolitics.Thewhalingindustryissodesperateforfunds—andsopoliticallyconnected—thatitmanagedtoclaim$28mfromtsunamirelieffundsin2011,causinganinternationaloutcry.Thewhalingfleetbadlyneedsanewmothership,atacostthatwouldsparkadomesticdebateaboutthepointofthecampaign.
AspokesmanforthefisheriesagencysaysJapanwillabidebythedecisionbutcontinue“scientific”whalinginthewesternNorthPacific,acullthatyieldsabouthalfthatoftheAntarcticcatch.Thatwillalmostcertainlytriggeranotherlegalchallenge.AndscalingdownthesizeofJapan’sscientificstudytomeetthecourt’snewlegalrequirementscouldmeanacullofbarelytenwhales—hardlyworthwhile.
Japanhasanotheroption.ItcouldfollowNorway(whichtaughtJapanindustrialwhalingacenturyago)andIcelandbyignoringdemandstostopkillingwhales.Butunlikethosecountries,Japanwithdrewitsobjectiontothe1986moratorium.Snubbingitnowwouldalsomeanfloutingseveralinternationalseatreaties,withdiplomaticconsequences.Japanseemstohaveswallowedthisweek’slumpofnewsandwillkeepitsfleetathome.
HealthcareinAmerica
Thegeekguidetoinsurance
AnattempttochangeAmerica’smostarcaneindustryforthebetter
Apr5th2014 | Fromtheprintedition
∙
∙
∙
Weprescribetechnology
MOSTAmericansviewhealthinsurersonlyslightlymorefavourablythantheydothieves.Butanewinsurancecompany,Oscar,wantstobeanally.“Wedidn’tstartthiscompanybecausewelovehealthinsurance,”explainsanadvertisementontheNewYorksubway.“Quitetheopposite,infact.”
Oscaristhebrainchildofthreeyoungmen,JoshuaKushner,KevinNazemiandMarioSchlosser,wholovetechnologyinstead.SixmonthsagoitbegansellinginsuranceinNewYorkCityandnearbycounties.UndertherulesoftheAffordableCareAct,betterknownasObamacare,AmericanshaduntilApril1sttochooseinsurancefor2014.Oscar’sfoundershopeNewYorkerschosethem.Theirgoalissimple—somesaynaive:
totransformAmericanhealthcare.
Inthissection
∙Twoheadsareworsethanone
∙Whatdoyourecall?
∙Thegeekguidetoinsurance
∙Theriseofthecheapsmartphone
∙MittelstandandMiddleKingdom
∙Lettinggo,slowly
∙TheMayfairshuffle
∙Flowerpower
Reprints
Relatedtopics
∙PatientProtectionandAffordableCareAct
∙Insurance
∙Healthinsurance
∙Business
∙Personalfinance
Itsurelyneedstransforming.Americaspends17%ofitsGDPonhealth,yetitspeoplearenotparticularlyhealthy.Asickpatient,tryingtounderstandhisinsurance,islikelytoneedfurthercareafterbanginghisheadagainstthewall.Allthiswouldsuggestanindustryripefordisruption,intheargotofHarvardBusinessSchool,whereOscar’sfoundersweretrained.
Obamacarehaspushedthingsalong.Thelawcreated“exchanges”whereinsurerscan
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