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Joined 17 hours ago
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Cake day: December 11th, 2024

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  • All the rule does is enshrine a “legitimate” profit margin for insurers.

    Ding ding ding.

    It’s almost as if the ACA was an insider bill that was accepted by the entire industry because it allowed them to reset the economics of the business without one insurer feeling like they were taking a loss.

    The vast majority of the ACA is literally about risk portfolio balancing between private companies.

    The regulations on profit essentially changed the game and is why most insurance companies are now vertically integrated with pharmacies, concierge medicine, or even entire medical systems. It’s the only way you can charge more for insurance without having to rebate out is by capturing your own payouts which allows you to keep MLR.

    • Year 1: You pay $100 for insurance and insurance pays $80 for your meds to the insurance company pharmacy.
    • Year 2: You pay $105 for insurance and insurance pays $84 for your meds to the insurance company pharmacy.

    Creative accounting. That’s why every insurance company makes special pharamcy benefits rules for the in house pharmacy and spams you with “switch your prescription to Optum RX”


  • Of course, the people living there know best what they need, and with their current setups they mostly need wood for their stoves, or fuel for their generators, which are running electric heaters. But not all of them have stoves or generators.

    So Generator -> Electric Heater is incredibly inefficient. People are likely doing this because it’s all they have and they want to charge their electronics. If you want to provide equipment I would suggest:

    This will allow them to connect to a standard propane tank. This setup is incredibly cheap to maintain esp. if they have access to a Amerigas/Rhino propane exchange or propane fill-up station. The buy-in here is around $140 per tent but you can get it down cheaper if you get a generic hose. The maintenance cost of exchanging/refilling the propane. On the 4000 BTU burn, this can last about half a month with a standard 20lb propane tank and should be more than enough to heat a tent. Monthly this has a cost of about $40 depending on how much propane is locally. Since the heater is radiant it’s heating the person / objects in the tent not the air meaning it’s incredibly effective.

    This setup is really beneficial because it’s easy to adapt to different living circumstances whether you’re in a tent, a car, etc. In a pinch it can keep you comfortable enough in a single-wide too.

    If you guys want to build something, reducing fuel costs during the day can be achieved by building a solar collector



  • I don’t think people understand the why of “critical support” here.

    When people say “critical support of Assad”, they are not saying “I want to live under the Assad regime” or “I agree with Assad’s politics”.

    They are saying there is no alternative to Assad that is capable of resisting American imperialism to the same degree AND has good politics.







  • techbros both enthusiastically support and enable/develop social murder too

    There’s an interesting irony that happens in the tech field that the jobs that often advertise as “valuable” and “moral” to society ultimately are actually some of the most damaging. The typical business model is neoliberalizing, what in a just society, would be public-owned infrastructure. A lot of these developers who think they’re “doing good” are often simply building private roads at the expense of the public roads.