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Forum: Artificial Intelligence in Health
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Model Innovations
Forum: Digital Personal Health Monitoring
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Under utilization of the ...
Forum: Artificial Intelligence in Health
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The Organization's Defaul...
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| Model Innovations |
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Posted by: digital.health.empowerment - 10-06-2025, 01:04 AM - Forum: Digital Personal Health Monitoring
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I’m in favor of working out model solutions for use of resources available for the purpose of supporting healthcare initiatives because this allows one to evaluate by comparison those proposed for governmental policy or those available currently from private companies. If one can develop model technology designs, and policies for deploying or implementing them, and you have the metrics to establish the value they could deliver, then you can compare these to others to find the roadblocks in government or the inertia in private business that keep optimal solutions from happening. Private business always experiences inertia because of the weight of their prior investments in particular product and service design and delivery strategies. There is also a considerable amount of ego investment on their part of the managers of both private and public organizations, so no matter how good your model product or service is, it will receive no support or resources from existing organizations if it’s mere existence is too critical of their accomplishments.
The strategy that will likely succeed therefore is an iterative one implementing AI to enhance existing intelligence producing and decision making workflows, keeping those in charge responsible through transparency and accountability of the technology. This is in fact how business and governments are proceeding, with proper caution, and making reasonable efforts to develop and maintain ethical standards. The big new innovation is likely not to occur in existing businesses, nor in bureaucratic government agencies, but rather in a funded startup that forward thinking investors place faith in. This fails far more often than it succeeds, but I think this is where to look for real bake-from-scratch model based innovation which will drive change through public education respecting what is possible and, thereby, through competition with existing means of health value delivery.
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| Under utilization of the potential of AI applied to health data warehouses |
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Posted by: digital.health.empowerment - 10-01-2025, 06:55 PM - Forum: Artificial Intelligence in Health
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Written and posted October 1, 2025:
I was unaware of the existence of health data warehouses and the development of big data sources supporting healthcare and health policy designs when I started my Population Health course at CSU Global in the M.S. in Information Technology Project Management degree in August of 2025. I was aware of the emerging deployment of artificial intelligence components and platforms through coursework I did at American Public University in my last term there during the first half of 2024 (B.S. in Health Sciences), and have since been working with various LLM based chat services for research and educating myself through various online means regarding the history of AI and the current implementations of it in ordinary business operations, IT security, and forensics generally. The application of AI to big data sources is a new development in healthcare and elsewhere, although Palantir’s projects privatizing the Federal Government’s “total situational awareness” initiative in response to the 9/11 attack has been in development for two decades now. Being a national security initiative, publication concerning it has been severely limited, making it difficult for researchers and the public to scrutinize its capabilities or the uses to which it is put. The potential of such a diverse and integrated warehouse of information on individuals and groups, including health relevant data, combined with the potential of AI to analyze behavior patterns, creates potential for social good in health policy design on the order of a “God’s eye view.” So far, I have not seen any productive application of Palantir’s capabilities to this problem, although there are state level initiatives which integrate health data into warehouses for study and policy design which are somewhat effective.
This is a serious under utilization of the potential of AI applied to health data warehouses, implying reluctance on the part of those in possession and control of them to apply their capabilities to producing analyses which are outside of current norms or organizational structure justifications. Given the political grid lock the U.S. has been experiencing for the past couple of decades, it is likely more productive to look to developments in other countries for examples of productive and ideologically unhindered implementations. If Congress passed a law requiring that only the most reliable and powerful information technology reasonably available be used for policy related analysis, expressing standards for use in its acquisition, deployment, and field evaluation, then progress would be mandated. To my knowledge, no such requirement has been proposed, leaving the necessary competence of private industry in the thought leadership role. Other than through the usual and somewhat structured market forces, this category of authority remains unaccountable except as expressly regulated by law. The result is under utilization of powerful new technology by organizations which can be held to the ethical standards necessary for healthcare and health promotion in populations.
This is one problem that this organization attempts to solve through express adoption of IEEE’s Code of Software Ethics for Software Engineers, published at https://www.computer.org/education/code-of-ethics. With strict adherence to these ethical standards, we can bring the power of the health data warehouse to the customer to support them in their health journey.
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| The Admin's Location |
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Posted by: digital.health.empowerment - 09-30-2025, 09:51 PM - Forum: Location
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My name is Keith Watson an I'm the administrator of this website / bulletin board.
I am currently located / residing in the Brownsville, TX area.
I invite locals to chat and perhaps meet to discuss.
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| The Organization's Default Ethics Code |
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Posted by: digital.health.empowerment - 09-30-2025, 06:05 PM - Forum: Adopting an Official Code of Ethics
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This could be adopted with a discussion of how profits above security and profits and power overriding respect for the user, as general operating principles, have corrupted wholesale the profession and business of information technology development.
Official adoption of an ethics code written decades ago while the industry can make no such claim of ethical standards makes the organization legally accountable and works to inspire user, developer, contributor, ... confidence.
The one that I am adopting as the default prior to any discussion of the issue is that published at this URL:
https://www.computer.org/education/code-of-ethics
It is the IEEE Computer Society's official Code of Ethics.
Here's the preamble:
"The short version of the code summarizes aspirations at a high level of the abstraction; the clauses that are included in the full version give examples and details of how these aspirations change the way we act as software engineering professionals. Without the aspirations, the details can become legalistic and tedious; without the details, the aspirations can become high-sounding but empty; together, the aspirations and the details form a cohesive code.
"Software engineers shall commit themselves to making the analysis, specification, design, development, testing and maintenance of software a beneficial and respected profession. In accordance with their commitment to the health, safety and welfare of the public, software engineers shall adhere to the following Eight Principles:
Quote:1. PUBLIC – Software engineers shall act consistently with the public interest.
2. CLIENT AND EMPLOYER – Software engineers shall act in a manner that is in the best interests of their client and employer consistent with the public interest.
3. PRODUCT – Software engineers shall ensure that their products and related modifications meet the highest professional standards possible.
4. JUDGMENT – Software engineers shall maintain integrity and independence in their professional judgment.
5. MANAGEMENT – Software engineering managers and leaders shall subscribe to and promote an ethical approach to the management of software development and maintenance.
6. PROFESSION – Software engineers shall advance the integrity and reputation of the profession consistent with the public interest.
7. COLLEAGUES – Software engineers shall be fair to and supportive of their colleagues.
8. SELF – Software engineers shall participate in lifelong learning regarding the practice of their profession and shall promote an ethical approach to the practice of the profession."
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| Social Networking for Health |
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Posted by: digital.health.empowerment - 09-30-2025, 05:08 PM - Forum: Social Media Component
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Social Networking for Health
G. Keith Watson
Colorado State University Global
HCM 505: Principles of Population Health
Instructor: Mark Hutchinson
Due September 28 , 2025
Social Networking for Health
Social media platforms, such as Facebook, X, and many others with various formats and business models, all have one characteristic in common. They make possible the widespread dissemination of information provided by both members and advertisers of various stripes to potentially interested users. The information can be personal regarding the member or it can be commercial free speech, but the ones most relevant to public health and engagement of individuals in their own healthcare challenges and goals is that from authoritative government and nonprofit healthcare sources. It is possible also for interested commercial organizations to contribute to this stream, such as could be done by companies promoting their fitness applications or fitness coaching or consultation services. One major issue is that the platforms with the most commercial success themselves implement business models that control the connections between users of various kinds through engagement driving algorithms, limiting the utility for targeting effective messages and information to those who would likely benefit most from them. These companies are considered the winners in the social media technology competition merely because they have the highest market capitalization, meaning they provide the most value to passive investors who need no other interest in the company than the profit they can derive. Because they are the business winners, their platforms are considered the normal and inevitable technology design and therefore an example that should be followed by all others. This is unfortunate since it draws material and human capital, public attention, and potential healthcare information source users away from more effective designs which can deliver targeted value using the same surveillance methods and artificial intelligence applied to the data collected.
Consider the potential healthcare applications of social media. It could include user search and discovery features making finding of potentially helpful healthcare information possible, which in turn can lead to discovery and research on the providers which can provide the services or products referenced in the content. If like Wikipedia no paid advertising is allowed, but rather matching is done through express user interest analysis, provider organizations can still be required to subscribe as providers to receive interested user references. Raising basic awareness about prevalent health issues and respecting unhealthy behaviors and positive improvements in targetable communities is one type of proactive intervention activity that can be designed and implemented once enough user search and voluntary content engagement activity can be analyzed. The usual social media platform completely lacks this potential. From this information, support networks of users with similar issues can be constructed virtually and provider organizations can be allowed to insert information respecting their services into the content flows of such, again for a reasonable subscription fee. Early disease detection and prevention can be facilitated through both structured and unstructured information gathering, again from actual user interest derived from their search activity. There are already diagnostic questionnaires online, presumably based on standard diagnostic flow charts, and the same concept can be implemented in a more personalized way backed by artificial intelligence supplemented with the search and other interest evidence provided by the user. This could easily be implemented as a chat service.
Some of the usual negative impacts associated with social media platforms, such as the well known issue of algorithmic promotion of engaging misinformation and disinformation, regarding healthcare and health impacting behaviors in particular, can be entirely eliminated provided we have the user’s permission to analyze their contributed content with healthcare science trained large language model technology. This term of use would have to be expressly checked off by each user up front to avoid the loss of trust that would inevitably occur later otherwise. Cyberbullying and harassment are easily discovered even in a massively popular user base using the same AI technology. Within virtual support groups, there is likely to be a lot of very personal information exchanged, so access may have to be controlled for some and security and privacy will have to enforced rigorously. Guaranteeing up front that the user’s information will not be sold or provided to any other party or organization except in ways that they expressly authorize would be another term of service that the user would check off on before using the platform. Further, because the user is in a secure, protected support environment which is focused on their particular health issues, the likelihood of competition through social comparison is mitigated if not eliminated.
Much of this could be accomplished with current social media platforms if they modified their designs to include such features for the purpose of contributing to the public good. Their opinions of themselves include the assertion that simply connecting people with engagement driving algorithms is such a tremendous contribution to civilization that they are already inherently great contributors to social change for the better. When seen in the cold light of day, their designs are entirely controlling of user attention in a way which deliberately promotes engagement with the most motivating material, rather than that which is the most beneficial or useful to the particular user. This works to the advantage of their paid advertisers, making the social media companies huge profits and giving them massive and frequently disruptive social power. This is marketed implicitly as a great revolt against the previous organization of information delivery from the top through TV and radio (The revolution will not be televised). Improvements are therefore not planned, so there is a huge market for better designs, the chief obstacle being complacent acceptance of the current normal in social evolution, for profit social monitoring and algorithm driven association.
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| The Economics of the Health Maintenance Organization and Health Technology Progress |
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Posted by: digital.health.empowerment - 09-20-2025, 06:44 PM - Forum: Digital Personal Health Monitoring
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The Economics of the Health Maintenance Organization and Health Technology Progress
George Keith Watson
American Public University
PBHE315 I003 Winter 2024
Instructor: Maryam Pirnazar
Date Due: March 31, 2024
Introduction
When discussing the economics of the Health Maintenance Organization (HMO), the first question needing an answer is how exactly do HMO’s make money? The simple answer requires contributions of patients to exceed the costs of healthcare services provided. This requires accurate risk analysis for each member so that the required contribution levels, either generally or individually, can be determined to sustain profitability. For this purpose, early and ongoing diagnostic information gathering is the best advantage. Predictability is the key to risk assessment and therefore to risk management. However, the current and historic norm for health services involves primarily symptom driven diagnosis, making the initial diagnosis and treatment possible only once the patient experiences symptoms of a disease or disorder and decides to go to a physician or hospital to be diagnosed. This results in higher treatment costs generally, and consequently higher insurance premiums generally.
It is therefore true that healthcare insurance companies experience higher revenue streams due to the predominant symptom or medical event driven diagnosis pattern of industry activity, and higher levels of financial activity are good evidence of financial health. It is somewhat doubtful then that HMOs, or healthcare insurance companies generally, which are also investment firms, will support advancement and deployment of technology which will reliably reduce their business activity and revenue levels. A conflict of interest is therefore apparent respecting support of the emerging and inevitable personal technology which enables early detection and diagnosis of treatable health conditions in the financial incentives driving HMOs. The purpose of this paper will be to examine this structural conflict of interest of the Health Maintenance Organization to shed light on its likely effect on the pace of investment and progress in development and deployment of personal health monitoring technology.
The Health Maintenance Organization et al
Health maintenance organizations have existed for more than a century in the United States (Morrison, 1990), but until the HMO act of 1973 there were no federal laws allowing certification of particular organizations claiming this status and no financial support from the government for initial development of nonprofit HMOs. The federal government sees the HMO as an organization which can consolidate management of healthcare by providing case management and oversight, creating competition between providers through its competent selection of those providing the best value to the insured. The intended benefits of HMOs included reduction of unnecessary procedures, a problem plaguing the medical insurance industry at the time, as well as the ability to meet increasing demand (Britanica, 2024).
In its most common form, the HMO structures medical service delivery by requiring that the patient select and use a primary care provider (PCP) from the network of those it has contracted with. Use of specialists, which are generally much more expensive than general practitioners, is controlled by requiring referral from the PCP rather than allowing the patient to select and visit one themselves (Enabnit et al, 2023). Use of providers which are not in the HMO network is either not covered by the insurance policy or results in imposition of high deductibles or co-pays.
Cost control policies of HMOs include emphasis on preventive care, reducing the costs of diagnosis and treatment compared to detection and treatment only after medical issues become symptomatic. The negative financial effect on providers of elimination of unnecessary services and lowering revenue by requiring emphasis on preventive care is balanced by the guaranteed patient stream that the in-network requirement creates, as well as by expansion of the customer base through cost controls. Utilization management is also frequently imposed to control costs, including payer authorization for particular types of services. This reduces both physician and patient choice, but the benefit again is lower premiums. The HMO is also in a position to conduct case reviews to determine specific costs and effectiveness of diagnostics and treatment procedures performed, and can select or deselect provider organizations on this basis. Some go as far as to design treatment plans for particular diagnoses, similar to the clinical practice guides in standardizing care, and many require active case management by the insurer as a condition of participation (Enthoven et al, 2019).
The insurance company, which an HMO fundamentally is, does better when the estimate of risk it can set premiums or prepaid amounts based on is higher than the actual risk. Further, the cost, like the risk, is distributed across many members, those less fortunate in a particular period being cushioned in the effects of health downturns by those who are more fortunate. Over the long term, the health insurance company has incentive to lower the risks overall for its member pool, so it has incentive to favor better quality care that is earlier and more effective in the long term. Other incentives include the freedom of the insured to leave if the treatment or services provided are perceived as inferior to what they can get through another insurance or HMO organization, although this is option not present in the employer provided plan.
In an HMO, the payer and provider are combined into a single organization which structures the services delivered thereby limiting consumer choice. In an ordinary retail transaction, the customer pays and the provider or seller receives payment. This relationship gives one party incentive to lower payments while seeking better products and services, and the other party incentive to improve products and services efficiently to increase economic gains in competition with other providers in the marketplace. HMO structuring of the relationship between the healthcare provider and the receiver of the products and services available creates an intermediary which is not actually the provider but rather a party that structures delivery of products and services to a presumably incompetent customer. Under the theory of specialization, we are all incompetent customers respecting trade we engage in for the products and services of other specialties, so the healthcare patient’s dependence on the seller is not economically unusual. Factors that necessitate an insurer or risk distribution organization and competent supervisory authority over the seller or provider include the complexity of the subject matter, making tools and resources expensive, and the high level of academic and practical training required, also contributing to a high level of expense. The most important factor recommending the HMO is the high level of personal, social, and especially economic damage that are inherent in both the reasons to use the service and in the potential negative outcomes of the service itself.
Because the customer’s abilities in the healthcare service evaluation process generally are highly limited, there is a drive for for value or outcome based qualification of providers and insurers by competent, independent authorities, which governments are presumed to be. Quality and cost competition are effected in HMOs through their selection of providers to contract with to deliver services, which they can set standards for while using such standards as advertising to potential patients. Case management strategies implemented by HMOs, which include integration of case records from different providers used for particular health event and ongoing care needs, allow quality, appropriateness, and value or results review, thereby providing oversight which in theory produces competition between providers and provider organizations. This oversight could be provided by governmental agencies and would be a natural function for them, but in the United States the push from the conservative end of the political spectrum results in privatization of the function. According to a study review published in the Journal of the American Medical Association, this method of assuring competition does contribute to lower costs, including up to 20% shorter hospital stays, emphasis on preventive services, and reduction in use of expensive diagnostics, although there is doubt regarding its effectiveness in delivering improved value (Miller, 1994)
The Role of Information Technology
How does a healthcare service evaluator accomplish this task of determining the value provided by a particular service? Perceived value creates demand if the price can be paid. By the same means that the customer can: accurate, timely, competent, and relevant information, including historical. This is where information technology inherently enters the competition for providing assurance of best quality for price through both facilitating early detection and intervention and evaluation of results. Ongoing health status monitoring with local sensors, including worn, implanted, and environmental, and local digital recording and analysis available as needed by insurers, providers, and governmental agencies is the required solution (Smith et al, 2023). Earliest detection and competent diagnosis are both optimized when it is designed and applied correctly.
The foundational hardware, operating system, and software development libraries needed for development of the needed applications are all free or inexpensive. An obstacle is created, however, by the inherent complexity and therefore expense of developing competent, relevant, and usable analyses of the subject matter. Collection and timely delivery of relevant health related information and analysis to providers will be an expensive and ongoing technology development issue which includes software, hardware, and the sensors themselves,. Even knowing what to monitor for can require prior diagnosis, placing the developer in a potential catch-22.
Another obstacle to development of information technology solutions is the requirement of careful, detailed communication between not only medical specialties, a known issue in managed care, but between medical experts and information technology developers and experts. This requires investment and cooperation of the stake holders, for which there is much incentive on the information technology side but qualified motivation on the healthcare side. At the extreme is the projection that the rapid development and deployment of such technology will replace the healthcare practitioner, at least in the area of diagnosis. It will at least lower the labor and resource commitment level of such work and result in significant reductions in revenue for treatment of the same conditions. Self interest of the healthcare practitioner therefore works directly against incentives for development and adoption, while in the necessary communication processes they are in control of a necessary resource, both expertise and experience providing healthcare services.
The managed care organization needs to be involved to facilitate and perhaps require the communication required, but they have significant disincentive from investing in a change which will in the forseeable future lower the relevance of their primary product through potentially dramatic reduction in severity and frequency of health impairments. Sakeholder buy-in is an important internal political factor in success of any potentially disruptive technological innovation. Without active support of HMOs in integration of the information value of emerging mass market health monitoring technology using their service design and supervision roles, the value of such innovation is unlikely to be realized in more than incremental forms. Without government intervention, one can reasonably anticipate resistance to the change potential of this technology.
A government’s interest in such development is well established in the available professional literature. The U.S. healthcare system is twice as expensive as other technologically developed countries and does not deliver value as well (Enthoven et al, 2019). According to one study:
"Despite attempts to decrease health care costs and improve care quality in the U.S. through strategies such as HMOs, the U.S. health care system is still the most expensive of any health care system in the world, encompassing approximately 18% of U.S. gross domestic product (GDP). (Falkson, 2024)"
This by itself is strong evidence that the structuring of healthcare financing and delivery created by the HMO and managed care organizations generally is not working, meaning that the alignment of interest which it attempts to accomplish either is not happening or is the wrong approach. Can new technology which distributes power to the client, patient, or user independently of existing supply structures alter the incentive structure sufficiently to accomplish the stated, democratically determined goals of the HMO? According to stated goals and policies, the United States is already committed to supporting this goal.
The Affordable Care Act is one example of a major government initiative which expanded business for HMOs and other healthcare insurance providers while attempting to control costs. Expansion of coverage to the quarter or so of previously uninsured individuals in the United States should have the long term effect of lowering costs for the same reason that ongoing healthcare information collection and monitoring will, specifically, early detection and treatment is facilitated in people who did not previously receive regular medical check-ups. Control of costs has major governmental attention dedicated to it currently since it is a significant payer of insurance premiums through ACA subsidies. The federal government could step up and require adoption of technology that will reduce costs dramatically while improving the value delivered.
Social Issues of HMOs and Technology
There are three primary categories of such technologies. The most obvious in the health care context is that which actually performs diagnostic functions. This function is classified as medical and therefore is subject to approval and regulation of each device including it by the Food and Drug Administration (FDA) and equivalent regulatory agencies in other countries. The second is the technology which limits its value to providing information gathered from the client. This can be provided to the client or the healthcare provider or both, but since it does not diagnose or attempt to treat any disease or disorder, it is exempt from approval and regulation as a medical device by the FDA. The third and most advanced category is the device which both diagnoses and treats conditions present in the client. Any device which is used to treat a medical condition is categorically regulated as a medical device.
As a contributor to upstream issue detection and management, worn or implanted digital health monitoring technology, produced and available inexpensively on a mass scale, has the potential to at least reduce healthcare inequities, another federal government priority. Lower socioeconomic status increases risk and expense of treatment lowering likelihood of favorable outcomes, meaning there is an established higher risk of health issues in that part of the built environment which is available to lower income populations, an issue which managed care organizations generally have failed to address so far, likely due to the higher risk that such populations inherently entail (Tao et al, 2016).
Health risk can also arise from behaviors, but wealthier people actually have greater access to and protections of alcohol, tobacco, and substance abuse opportunities. Diet and exercise discipline combined with smart a resource selection depends more on knowledge than wealth, which can be variously acquired for free using the internet rather than just through formal education. Knowing exactly what the likely problems are early and having competent advice on options to best address them at least narrows the medical service quality gaps, and competent, low cost digital technology, due to the ubiquity of inexpensive, high quality networked personal computers and cell phones, has the potential to provide quality of service beyond the reach of any traditional healthcare practice. Where health is maintained at a higher level in which the individual is also more attuned to evidence indicating its compromise, medical events are less likely and significantly less acute.
The Insurance Business’s Technology Investment Options
An insurance company’s financial health depends on one other major revenue source. According to one investment research firm, “It would be possible for the insurance company to take the $3 million premium money received and just stick it in a safety deposit vault. It would also be a bad idea, because there are reasonable ways of investing that money to make more money.” (Gleeson, 2019) This implies that Health Maintenance Organizations have incentives to maximize their asset investment base, derived from their premiums. To do this, they must compete to attract paying customers. Since the organization and rules of the HMO determine in large part the services available to clients along with the costs of particular services, maximizing the value of the services available to particular client segments is in the HMO’s best interest financially and therefore is a presumed goal. With respect to competitive plan structuring, including new technology which increases healthcare delivery value while reducing costs would be a good idea. Since insurance companies are also investment firms, investment in technology which increases healthcare delivery value while reducing costs would therefore be a wise choice for the pool of cash developed from insurance premiums.
Whether the client will agree to the monitoring, however, is questionable, although the client benefits from as much relevant monitoring as is possible. Security of the information gathered is a major issue, along with trust that the information will not be used inappropriately or sold for profit. Incentives of reduced rates, possible due to the lower level of uncertainty of the risk taken on by the HMO, would promote adoption or acceptance by the potential patient. The question of whether the information gathered can be secured, and whether security of the information can be guaranteed to the patient, will be a major incentive killer if it is not available. Another issue is that the security requirement will increase technology development complexity and costs, if it is even possible with the current mass marketed digital technology base, slowing deployment. If custom digital hardware designs need to be securely developed along with the kernel software to interface with it’s resources, the cost of development, and probably manufacture as well, increases by an order of magnitude.
The lack of security of medical records generally reflected in news reports of ransomware, denial of service, phishing, and other types of breaches, are only part of the issue. An implant, for example, must be read, meaning it needs a WiFi connection to a reader. Even in cases where ongoing monitoring of the patient by the provider is not required, it will be most convenient to the user if the information were collected and analyzed to the extent possible in a worn or carried device, such as a watch or cell phone. This requires ongoing or periodic communication between the device and the implant, or between the worn sensors and the device. Such communication is inherently vulnerable to surveillance. The development of the Internet of Things creates multiple avenues of attack in the WiFi enabled home, office, or vehicle. Assuming the security problems are solvable, the typical HMO could be supportive due to the reduction of risk and the reduction of unknowns in the patient’s risk assessment. Without a solution, security can be the fallback objection allowing them to hide their actual economic motives.
With respect to legal liability, both the HMO and the healthcare provider benefit from the increased certainty and the earlier diagnosis potential provided by ongoing data collection. However, any sensor configuration selected is necessarily limited in the health state revealing variables that it can monitor, and no worn or carried digital technology can run a real-time model of an entire patient’s physiology. Such technology would potentially allow the strategic selection of a limited, least invasive sensor set while providing the maximum in analytic power, but it is still currently a laboratory dream solution. Therefore, selection of that which is to be monitored and which aspects of the patient’s internal state to model is critical to realization of the technology’s most general value in the short term, and also critical to potential liability issues for undetected abnormalities and early disease states. The power of the technology, power implying more comprehensive modeling and greater breadth in sensor capabilities for collection of potentially relevant information, is key to reducing risk and increasing effectiveness.
An economic analysis of the short term and long term benefits of adoption of such technology requires a survey of the current developments in mass producible and relatively inexpensive sensor configurations, along with a survey of free to inexpensive software packages and components that can be exploited or integrated into the patient analysis in the field and more comprehensive study in the office or laboratory. One example of progress in this field is the development of various real time sensor strategies for early detection of various cancer biomarkers (Liu et al, 2020). However, this subject is beyond the scope of this paper.
The Health Care Economics Perspective
The migration of income producing health service opportunities from the symptom driven diagnosis model to a predictive one, in tandem with the development of an abundance of medically relevant data collected at the source, could well be a profound one economically for both the health care practitioner and managed care organizations like an HMOs. Increased effectiveness of treatment options combined with lowered costs due to earlier detection and diagnosis will be the market driving benefits to the consumer, so if the economy is functioning properly respecting competition for customers, it is presumable that better technologies will be introduced as they are made available. So far, however, the United States has resisted the trend among technologically advanced countries to apply cost-effectiveness analysis on a macro economic scale for the purposes of policy formation (Kim et al, 2021). However, since the HMO will make considerably less money if it provides the better healthcare value with both less risk and lower direct revenue, and therefore presumably lower premiums, it will likely not support such developments unless it is forced to by competitive pressures or by new legal requirements.
Managed care itself is structurally distinct from the traditional supply and demand driven market model practiced in the United States and elsewhere. It introduces a distribution of risks and benefits from economic activity which is considered appropriate for an industry which is essential to public welfare and economic performance generally, along with being itself high in risk level. Once a government institutes such a system of privatized socialism, however, it is obvious and presumable that the usual market dynamics will be altered and the generally beneficial effects of competition for business in this sector will be subverted by the profit motive itself. The government designing and enforcing such a rule system has responsibility for the consequences, and therefore could be held accountable for the progress that should be happening, and that is available due to ongoing research and development, progress which is profitable to enterprises either generally or in other markets. The usual solution of regulation to curb the deleterious selfish behavior of private interests dominating the subject market is ineffective because it does not promote the necessary investments, it merely limits
many undesirable ones.
Market Forces Impacting this Issue
The question of which market forces have an impact on this issue depends on your definition of “market force”. In traditional economic analysis, supply and demand are the two primary market forces affecting prices, customer availability, profitability, and volume of business for a particular product or service. For instance, innovation in product design increases supply of competitive products which will reduce demand for current functionally inferior ones. Scientific research provides information needed for design of improved and innovative medical procedures, requiring training of professionals in their application for those professionals to remain competitive in their vocations, thereby remaining in demand. Since better information technology providing previously unavailable relevant information and analysis will lower both risk levels for a community and the expense of health maintenance through early diagnosis and treatment, there are market forces driving its adoption.
Customer demand refers to what is more generally understood as the customer’s selection from options satisfying what they want within the constraints of what they can afford. This can be measured through various means including analysis of sales volumes of particular products or services at particular price levels. A more subjective approach but one more geared toward prediction, is the customer survey. According to Gallup, Inc. “Gallup 2020 data show that only 19% of Americans are "very satisfied" with the quality of medical care in the U.S., a figure that has remained largely constant over the past two decades.” (Vibhas, 2020) Further, “... compared with other developed nations, the U.S. ranks highest on chronic disease burden, lowest on access to care and lowest on health system quality -- despite annual national health spending of $3.6 trillion ($11,172 per person).” (Vibhas, 2020) This clearly implies a lack of competitive options available and explains the popularity of self-help health promotion nutrition and exercise systems and gym franchises like Planet Fitness. They are competing successfully against the healthcare industry. Prevailing costs and quality of available healthcare are factors reducing the perceived value of the products and services that the HMO provides and those that it structures, reducing customer demand and likely delaying use.
One very noticeable effect of the COVID-19 epidemic on economic development has been the installation and deployment of available remote work and other remote access technologies, including pervasive development in the retail sales sector. Healthcare is no exception to this COVID-19 imposed progress. Gallup, Inc. reported recently, “… COVID-19 has accelerated much-needed change, such as the digital and technological transformation that many healthcare organizations were trying to actualize before the crisis.” (Vibhas, 2020) This includes the general availability of remote, video enabled checkups, a.k.a. telehealth or telemedicine, and physician access, which before the epidemic would have been a rare and possibly expensive alternative. This implies that change in healthcare delivery modes and practices encounters a considerable amount of resistance unless there is an emergency requiring it.
Affordable Care Act Impact on HMO’s & Health Insurance
Before the Affordable Care Act (ACA) went into effect in 2014, health maintenance organizations, which are healthcare insurance companies, based premiums on risk assessment for individual patients or for employees as a group. This was based on information gathered from the patient and from their medical records, the medical history being what they refer to as “experience” with the individual patient. Patients could be denied insurance on the basis of a preexisting condition alone using this method. This is reasonable business practice since control of risk exposure is essential to the success of an insurance company. It is not, however, reasonable from a general population healthcare point of view.
The ACA created numerous legal requirements increasing the risk that HMO’s and other health and medical insurance companies carry, expanding coverage dramatically in the United States and increasing premiums generally, although also providing generous subsidies for premiums for those earning less than 400% of the federal poverty level, which is currently $60,240 for a single person and $124,800 for a family of four (ACoA, 2024). These new requirements include a prohibition against rejecting individuals with preexisting conditions, which was about 27% of the U.S. population under 65 years of age, or roughly 52 million people (Robinson, 2024). This adds to the risk assessment burden since the premiums charged generally must take into account the additional risk taken on by insuring individuals with this risk factor. This increased risk was already assumed by health insurance companies providing group plans for employers since preexisting conditions could not be used to exclude an individual employee. If someone with a minor preexisting condition looses this type of coverage, they generally had to go without healthcare insurance, since a diagnosis of even a minor ailment, such as early stage osteoarthritis, would likely eliminate the possibility of obtaining insurance.
Although this policy protected the short term profitability of healthcare insurance companies, in the long term it tended to raise premiums due to the likely patient behavior responding to it. The legality of general denial of insurance on the basis of prior existing conditions before the ACA took effect works as a disincentive to obtaining medical diagnosis generally until symptoms are functionally limiting or unbearable, or emergency level. This dramatically increases medical costs for the segment of the population which cannot maintain employer provided healthcare insurance, or for whom such policies were inadequate coverage, since the expense of treatment increases by an order of magnitude in these cases compared to that possible with early detection. Rather than treatment of stage 1 lung cancer, for instance, if the patient delays examination long enough, the insurance company now must pay for stage 3 or 4 lung cancer, stage 4 being metastatic and incurable. Here the short term financial priority requiring year-to-year profitability maximization proves to be more expensive in the long term, raising medical expenses and generally increasing the level of functional medical compromise in the population.
Conditions that previously qualified for exclusion include arthritis, stroke, pregnancy, asthma, heart disease, and cancer (Robinson, 2024). Asthma can be minor and only symptomatic during various levels of exercise, heart disease and cancer can be mildly symptomatic and even hidden without sophisticated testing, and therefore can easily be ignored until acute symptoms appear. Other risk rating criteria which health insurance companies are prohibited by the ACA from applying include medical history generally, tobacco use, and occupation. The ACA therefore nearly eliminates the individual risk rating model in favor of a slightly modified community rating model. The only difference from a pure community model is that it still allows premiums to vary based on age, and in the individual and small group markets, taking tobacco use into account is allowed (Norris, 2023).
Overall, the ACA’s modified group rating approach levels premiums for geographic areas with some variation based on a limited number of factors, so the health insurer must spread costs among the insured by setting a generally applicable premium which has limited variability. This makes the HMO an agent for spreading the general health care risk expense among the members of geographically defined communities rather than such being determined individually as a traditional insurance company does.
The topic of this research paper is Health Maintenance Organizations and the particular focus of my study of HMO’s is the likelihood of them investing in or supporting the development of technology which will have a major, long term negative effect on their cash flow, forcing them to significantly downsize and restructure to stay in business. The ACA provided a major increase in business volume and revenue to HMOs and managed care organizations generally, and they would certainly like this amplified financial performance to continue. The HMO is a major stakeholder in the healthcare delivery infrastructure of the United States, and is therefore not likely to play nice when there is no referee on the field watching the details of every play. Which insiders can be counted on for support, including intelligence, and tactical, strategic, and in particular logistical support for research and development operations leading to deployment, is a question needing an answer. An HMO as an active investor, one involved in the technology design and healthcare process development required, would be a significant advantage to the technology company.
Symptom driven medical diagnosis and treatment economics is a root problem that can be solved if sufficient public attention were directed to the issues, upstream health dangers and the value to both economics and the quality of life of monitoring and addressing them. The current industry norm is highly supportive of cash flow into healthcare providing and insuring institutions, which due to their expertise and wealth are powerful in the policy formation process. Only a popular movement supported by ongoing public education using the mass media capabilities of the internet will provide the political capital needed for action to be worthwhile for politicians.
Digital technology integration increases reliability and quantity simultaneously in human value producing processes. Through competent mobilization of more reliable information and greater volumes of relevant information, it also increases the quality of decision making and the quality of procedure and process design. It can also be used to improve the competence of procedure and process review. It therefore needs to be an integral part of any ongoing quality improvement process such as Six Sigma, and ongoing customer value driven quality improvement is essential to the financial success of the healthcare industry. The Health Maintenance organization is in a unique position in the industry, integrating functions into a financial and management nexus, such that it is a prime target for implementation of Six Sigma principles and practices. If such were required by law, innovation would be the norm rather than the exception.
Conclusion
Due to the structuring of healthcare services that HMOs inherently impose on the market, consumer choice is limited. Due to the alignment of interests which merging of the provider and payer inherently produces in HMOs, the usual conflict of interest between the consumer / payer and the “provider” does not exist as a cost controlling factor. The HMO controls the actual healthcare provider through structuring access to services, seriously restricting the choices available to the consumer and therefore competition between providers. Barriers to entry into the provider field are created by the high levels of education required, requirements of government approved or accredited certification and licensure, and by legal requirements of approval of new products. There is therefore very limited access to the market by producers decreasing competition except with respect to meeting occupational standards and legal compliance. All of these factors contribute to production of a market which is a long way from meeting the definition of a free market as defined in classical economic theory. Can there be any doubt that this is the cause of both ever increasing costs and ever diminishing returns in the healthcare field in the United States? Fortunately, a healthcare economic venue in which the usual market dynamics preserve competition to the extent possible, one which would lower costs of healthcare generally and which is not subject to the structuring of services that HMOs impose exists in the form of wearable and implantable personal digital health monitoring technology. Its independence insures that the economic interests of existing healthcare organizations, including insurance organizations, will not be able to impede its growth, and hence its contribution to better, earlier detection and diagnosis, and the result will be much cheaper and effective healthcare options for the patient.
References
American Council on Aging (ACoA), (2024), 2024 Federal Poverty Levels / Guidelines & How They Determine Medicaid Eligibility, www.medicaidplanningassistance.org, March 06, 2024, retrieved on March 18, 2024 from https://www.medicaidplanningassistance.o...uidelines/.
Britannica, T. Editors of Encyclopedia (2024). health maintenance organization. Encyclopedia Britannica. Retrieved on March 28, 2024 from https://www.britannica.com/topic/health-...ganization.
Enabnit, A., Warren, A., Tangella, K., (2023), Health Maintenance Organization (HMO): Providing Comprehensive Care and Cost Management, DoveMed.com, Jul 24, 2023.
Enthoven, A., Fuchs, V. R., & Shortell, S. M. (2019). To Control Costs Expand Managed Care and Managed Competition. JAMA : The Journal of the American Medical Association, 322(21), 2075–2076. https://doi.org/10.1001/jama.2019.17147.
Falkson S.R., Srinivasan, V.N., (2023), Health Maintenance Organization, StatPearls Publishing, 2023 Mar 6, PMID: 32119341
Kim, D. D., & Basu, A., (2021), How Does Cost-Effectiveness Analysis Inform Health Care Decisions?, AMA Journal of Ethics, August 2021.
Liu, R., Ye, X., & Cui T., (2020), Recent Progress of Biomarker Detection Sensors, Research, October 15, 2020, doi: 10.34133/2020/7949037
Miller R.H., & Luft H.S. (1994). Managed care plan performance since 1980. A literature analysis. Journal of the American Medical Association. 1994 May 18;271(19):1512-9. PMID: 8176832.
Morrison E.M., & Luft H.S. (1990). Health maintenance organization environments in the 1980s and beyond. Health Care Financing Review. 1990 Fall;12(1):81-90. PMID: 10113465; PMCID: PMC4193099.
Norris, L. (2023), Community Rating vs. Experience Rating in Health Insurance, verywell health, August 22, 2023, retrieved on February 29, 2024 from https://www.verywellhealth.com/community...ce-5097164
Robinson, H., (2024), Understanding Health Insurance Underwriting, Lewis & Ellis Actuaries and Consultants, retrieved on February 29, 2024 from https://lewisellis.com/industry-insights...derwriting
Smith, A.A., Li, R. & Tse, Z.T.H. (2023), Reshaping healthcare with wearable biosensors. Scientific Reports 13, 4998 (2023). https://doi.org/10.1038/s41598-022-26951-z
Tao, W., Agerholm, J., & Burström, B. (2016). The impact of reimbursement systems on equity in access and quality of primary care: A systematic literature review. BMC Health Services Research, 16(1), 542–542. https://doi.org/10.1186/s12913-016-1805-8
Vibhas, R., (2020), Five Forces That Will Reshape the Future of Healthcare, Gallup, Inc., November 2, 2020, Retrieved on February 6, 2024 from https://www.gallup.com/workplace/323039/...hcare.aspx.
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| Understanding Health Determinants through AI |
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Posted by: digital.health.empowerment - 09-19-2025, 05:40 PM - Forum: Artificial Intelligence in Health
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The effect of artificial intelligence (AI) in healthcare, in particular with respect to determinants of health or illness, is primarily one of greater depth and certainty in the analysis of population data. The ethical issues inherent in aggregation and use of massive health data warehouses consist primarily of the risks involved in the potentially expedient means to achieve the value promised through application of AI, along with the usual barely legal methods employed in commercial exploitation of such. Almost any behavioral or social determinant of health can be studied using artificial intelligence provided sufficient data with relevant content is available. This includes the value of health data streams directly from sensors worn or implanted in the patient themselves, the advantage of AI being its ability to learn from the vast quantities of detailed data which are thereby made available. For the purposes of this paper, the focus will be on the utility of health data warehouses for studying determinants of health in populations.
Population studies of the behavioral determinants of health, such as studies of nutritional and exercise habits and practices along with recreational drug use and the ethically distinct category of individual liberty in drug use, that promoting health, can all be potentially studied through application of deep learning AI to health data warehouses. Social determinants of health are intertwined with individual behavioral ones primarily to the extent that they influence individual behavior, although the built environment’s contributions to health outcomes cannot be ignored. Obvious examples include the presence of lead in water plumbing and the prevalence of car exhaust caused smog prior to the legal requirement of catalytic converters on all gasoline combustion engines. One less obvious example currently under study is that of the presence of microplastics in the environment causing health effects through their tendency to enter through ingestion. Determinants of health which can be studied with AI applied to data warehouses are the focus of this paper, and ultimately this includes almost all of them. The primary drivers of ill health therefore should be selected, such including exercise, nutrition, drug use, and cultural membership or beliefs affecting selection or rejection of health protecting or promoting behaviors generally.
The Health Belief Model provides a framework for study of both cultural influences and beliefs respecting adoption of health promoting behaviors and cessation of unhealthy ones. It’s basic premise is that the primary motivators of behavior change are beliefs respecting the risks inherent in particular behaviors and those respecting the benefits achievable with adoption of others (Nash et al., 2021). The determinant in this case, influencing all others, is belief.
One type of analysis done by social media platforms that addresses beliefs is called sentiment analysis. According to Wikipedia (Sentiment Analysis), this “is the use of natural language processing, text analysis, computational linguistics, and biometrics to systematically identify, extract, quantify, and study affective states and subjective information.” With the deepening power of AI applied to advertising on such platforms, particular product advertisements could be shown to particular users with a high likelihood of believing that that product would be good to acquire. Applied to health behavior modification, particular messages could just as easily be targeted to those most susceptible to receiving and acting on them based on the beliefs that can be inferred form the information available on them. AI applied to health data warehouses in combination with content of social networking sites would be particularly effective in custom tailoring messages that motivate healthy behaviors or inhibit unhealthy ones. Social media platforms can provide escape from physical cultural membership constraints and an avenue to new social experiences, and there is no reason to waste the beneficial influence these new social interactions can have to reinforce beliefs that support healthy behaviors.
Positive messaging respecting exercise can come from authoritative sources such as the American College of Sports Medicine, which helped craft the exercise promoting health messaging of the United Stated government which started in the early 1990’s (ACSM, 2025). The dramatic decline in the incidence of chronic diseases caused by sedentary lifestyle induced thrombosis, or abnormal blood coagulation, occurring during the period since then can be no coincidence, as such authority supported the growth of the inexpensive popular gym industry exemplified by Planet Fitness.
Health equity is frequently frustrated, however, by nutritional behaviors, those of the lower income demographics showing an increasing trend toward lack of attention and discipline in this behavioral determinant of health (Ong et al., 2024). The prevalence of high energy, low nutritional value foods and the busy, active work life of the low income family create a reliance on convenience food at supermarkets and fast food restaurants. The recent enactment of requirements for nutritional labeling of fast foot items is a form of messaging which simply makes selections more competent, providing information to the consumer and incentive to the producer to improve the nutritional value of their products. Determining the effectiveness of such information availability can be a subject of study using AI applied to health data warehouses provided sales information, including historic, can be obtained from fast food restaurant chains. Dining behaviors can also be inferred from social media content, so with sufficient breadth of sources AI can help here also. This one example demonstrates the power of providing information needed for competent decision making, which is also the primary value to populations of the availability of inexpensive digital technology, something no software developer could miss.
Another impediment to health equity is the quality and types of recreational drugs available to lower income individuals and communities combined with their general lack of education respecting their short and long term health effects. Of the domains related to social determinants of health, the two most relevant to this determinant are education access and quality and social and community context. Both of these can be studied using AI applied to the current health data warehouses, which generally include social networking derived information also, in particular if one accounts for the popular authority of entertainers who are perceived as free from the usual social constraints which limit opportunities to lower socioeconomic strata generally. The social context provides readily available escapes and other solutions to social stratification with education being the hard road that few are willing to travel for the duration required. Messages reinforcing positive educational behaviors can be designed and tailored using application of AI to the vast quantities of data already available, and with the emerging ability to re-identify social networking sources, can be targeted for effect. The potential for re-identification can be seen as entirely ethically negative except for the rare exception which this application would be an example of, which of course must be carefully regulated or government controlled to have a constructive effect. One need only study the aggressive frauds of the cigarette industry as their campaign to preserve their marketing efforts was steadily shut down through regulation to understand the potential for evil inherent in such targeting.
The determinants of health which AI can be effective with respect to are numerous and diverse since it can be used to study any and produce competent analysis usable for effective policy designs as well as commercial IT product design. The ethics of application of AI to achieve the benefits of knowing what will motivate people to actually change their behavior, for instance, is a complex question fought with risks of various kinds. To what extent can we use AI to re-identify a subject for messaging or other interventions and what level of risk to the individual or others would justify it? Can we ignore the power of AI in identification of individuals at risk or a danger to others and therefore fail to implement the AI needed for re-identification? The ethics of studying exercise and nutrition attitudes and practices of particular demographics, among other valuable application, cannot be denied, and such study is ethically sound, although it does require a risky levels of health and social networking data integration into vast, high value warehouses which under currently law can be commercially exploited, sending potentially sensitive data to entities with unknown ethical standards. The risk needs mitigation with governance standards and competent regulation, making possible reasonably safe realization of the potential of AI to analyze and reveal the details of various population determinants of health.
References:
McCarron, T.L., Noseworthy, T., Moffat, K., Wilkinson, G., Zelinsky, S., W, D., Hassay, D.,
Lorenzetti, D. L., & Marlett, N.J. (2019), Understanding the motivations of patients:
A co‐designed project to understand the factors behind patient engagement,
Health Expectations, August, 2019.
Nash, D.B., Skoufalos, A., Fabius, R.J., Oglesby, W.H. (2021), Population Health, Creating
a Culture of Wellness, Jones and Bartlett Learning, LLC.
Ong, J. C. L., Seng, B. J. J., Law, J. Z. F., Low, L. L., Kwa, A. L. H., Giacomini, K. M., &
Ting, D. S. W. (2024). Artificial intelligence, ChatGPT, and other large language
models for social determinants of health: Current state and future directions.
Cell Reports. Medicine, 5(1), Article 101356. https://doi.org/10.1016/j.xcrm.2023.101356.
Thompson, W. (senior editor) (2010, 2025). ACSM’w Guidelines for Exercise Testing and
Prescription, 8th and 12th editions. Walters Kluwer, 2010 and 2025 respectively.
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| Organizations Online |
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Posted by: keith.watson - 09-19-2025, 05:17 PM - Forum: Privacy and Security Organizations
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Privacy online has many supporters:
18 Privacy Focused Organizations You Should Know About:
https://identityreview.com/18-privacy-or...ould-know/
"Nowadays, with the Internet, any piece of knowledge can be accessed with minimal effort. What many fail to understand is the true cost of such capacity. Oftentimes, big tech firms such as Google and Facebook store user data and share them to other companies, in which they use to personalize ads. Many users are not aware of this considerable breach in user privacy."
2025-09-30:
Some of these shouldn't be trusted, including WhatsApp and Facebook Messenger, since they're owned and run by Meta/Facebook, whose business model requires them to collect as much information about you as possible. Read the article carefully to find the express guarantees of others. They exist.
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| Governmental negligence creates opportunities |
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Posted by: keith.watson - 09-19-2025, 01:26 AM - Forum: Ethics Code
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There is a valid case that we the people are negligent about our health and that many of our short and especially long term illnesses could be prevented if we were. Since we are not required by law to be doing what we can to maintain and to improve our health to the extent reasonably possible to avoid both chronic and shorter term illnesses, however, the governments have failed to enact reasonable requirements to protect us from the pain and expense resulting. Simple exercise and nutrition requirements which are verifiable should be used to help determine whether or not the illness subject to insurance is actually caused by something outside of the reasonable control of the patient. Only in this case can the coverage actually fall under the general understanding of “Insurance,” which is meant only to compensate the injured for injury which is not their own fault. Punishing people arbitrarily for this collective negligence by cutting off necessary medical care in a way which creates profits, however, is not just, and those merely gaming the current legal system and medical establishment to maximize their gain through aggressive and abusive business practices are only exploiting the lack of enforcement of reasonable standards on the insured.
Those who accept their responsibility for their own health are already using digital technology to advance it and to prove both their efforts and their results. The government's negligence creates opportunities for digital technology developers to support them, and such is a very socially responsible enterprise. The main question, then, is how much value can we deliver to achieve the goals of developing training competence in the user and generally supporting their health building journey.
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| Revenue - Fremium Strategy |
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Posted by: keith.watson - 09-19-2025, 01:10 AM - Forum: Ethics Code
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For the free version, explain to the user what the usual rules for handling their data are and how we can make money selling, leasing, or or otherwise engaging in business using it.
In the first level of paid, we give them dashboard level visibility of what we collect and time stamped event logs showing all transmission of any part of it.
In the next level of paid licensing, all transmission is off by default and they get the dashboard to view and analyze everything collected and stored on their device, along with notices of request for use of any part. At this level, they own and control all of the collected data pertaining to them.
The user pays for protection.
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