The Future Of Health Insurance – The Medical Futurist

in contrast with socialized medicine where everyone has access to basic care innovations are hard to roll out nationwide as the system as a whole cannot afford it in countries with private health insurance certain treatments such as cancer care are so expensive that only the privileged with good insurance plans can afford them and their politicians actively worked to throw millions of their coverage and insurance deny service to people with pre-existing conditions it's a whole new level of horror the insurance business has to change but it's also bound to change let's see what the future of health insurance will look like this is bad for Mexico and you're watching the channel of the medical issues artificial intelligence and new technologies like variable sensors we've changed a state to school and insurance companies you certainly try to implement those into practice the spread of electronic medical records and big data analytics will make it possible to move from reactive care to preventive and personalized care why is it important because health insurance is a risky business from the insurers side they can't get enough information to make fully informed investments in a person's future health companies can obtain information on the patient's gender age and some basic details about lifestyle but if they cannot measure any health parameters the value of the investment remains questionable from the insurers side you simply don't want to pay for someone else's health care who chooses to live an unhealthy life so how does digital health change all this first of all it will motivate you to live a healthy life it's a key problem that today's insurance market is one-sided companies don't reward you for staying healthy and most people don't take care of their health the way they should they simply pay up and when a symptom rises they will hope the doctors can fix the problem but imagine to get reduced premiums if you keep a healthy lifestyle an American insurance company óscar health is testing those waters their patients get Amazon gift cards as rewards for achieving their daily goals as measured by a Fitbit activity tracker it's a small start but a start nevertheless and much more can be done even today patients can measure sleep quality physical activity stress and blood pressure and many other parameters at home but big data can go so much further than that an Iceland based company decode genetics says it has collected full DNA sequences of over 10,000 individuals and because people in Iceland are close it lated decode says it can now extrapolate to accurately guess the DNA makeup of nearly all the other 320,000 citizens of the country including those who never participated in the studies what does that mean according to the CEO they are able to identify everyone from the country who has a deadly cancer risk the only problem they are unable to yet warn those people because of the ethical rules of their research but it's inevitable that these amazing data sets about our health and our lifestyle will change healthcare as we know it so is the future or bright and shiny but not exactly it's no question that this immense amount of health data will be utilized by health insurance companies the question is rather how they will do it you know what if companies will only provide patients with insurance if they are allowed to access all of their data including data coming from sleep and fitness trackers the blood pressure and ECG day store and the gadgets they use to assess the general well-being what if companies will leverage on that data to make premiums higher for high-risk patients what about predominantly genetic and not lifestyle related problems what if insurers take pre-existing conditions one step further and acquire genetic tests to provide a personalized plan that's why regulators must be at the forefront of innovation only they can ensure to avoid the creation of a doctor big brother who watches us has access to every detail of our lives and thus impacts or personal decisions we must at all costs avoid a scenario where someone would control what we eat when the exercise and when we lay down to sleep but if I need to share my fitness trackers data with my health insurance company to enjoy the rewards of living a happy life and to have an equally compensated health care system I'm happy to do that as long as I'm the sole authority over my health data I can decide what and who I choose to share it with it's a small price to pay for a cheaper sustainable and ultimately a more effective health insurance system what do you think you


  1. Bro, Have you ever seen the experiment showing that environment(food-exposure to chemicals and EMF) can spare a mice genetically programed to get cancer ,and on the other hand ,provoking it on normal mice with normal dna

  2. Good stuff— we can cuts costs dramatically and improve quality by alot by using Medicare For ALL – Medicare also encourages innovation and has been doing so since 1966 – btw: our plan to do so is contained within the link at enjoy – thank you.(More Money to the people must be emphasized!)

  3. So long as people actually purchase silver/gold health insurance (which is very affordable), and see their doctors to learn about what they can do to live a healthier lifestyle, the American healthcare system is VERY affordable and is top of the world in lifespan when factoring out higher prevalence of obesity, cancer and non-health related fatal injuries (getting shot, car accident, etc)

  4. How is this channel only 13k subbsss. These updates are very fascinating. I would love to see some podcasts with medical futurist and researchers, just an idea if you ever get the chance.

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