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karakot

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There is an MLR (Medical Loss Ratio) rule; essentially, an insurer can keep 20% of premiums they collect. So in order to increase profits, they have to inflate premiums; in the end, 20% of $1,000 is much better than 20% of $100. And that's the reason hospitals charge $50 for an ibuprofen pill. There are other tricks like vertical integration (an insurance company owns a medical provider), quality improvements, etc... But in the end, it's an optimization game — max(users * premium_cost) — and that's why for-profit medicine/insurance sucks. (Now, spend 1% of all collected premiums for lobbing, to make sure the system keeps working lol).

I hate this common trope about health food costing more. Beans, lentil, rice, potatos, carrots, onions, cabbage, garlic don't cost a lot, add some additional cheap proteins like chicken and eggs and you're good to go for like $50 or less per week per person. And if you can buy in bulk and freeze, then it can get even cheaper.

Consistent hashing 10 months ago

Does it really matter? Here, n is a very small number, which is almost a constant. I'd assume the iteration over the n space is negligible compared to the other parts of a request to a node.

ChatGPT Pulse 10 months ago

Yeah, they even don't need devs to release it, Altman can just ask ChatGpt to write it for him. lol.

same, I listen to a synthwave playlist on spotify, and once it ends spotify starts playing 'similar' music and at that point I just start feeling gross.

[dead] 11 months ago

How is it related to HN? Why don't we discuss pedophiles from other countries?

AI is different 11 months ago

As someone who keeps 401k 100% in sp500 that scares me. If the bubble pops it will erase half of gains, if the bubble continues then the gap(490 vs 10) will grow even larger.