You can deduce that cannot be true using the medical loss ratios, which is money flowing out to healthcare providers. At roughly 85% or so, that means 15% is left for the entirety of the rest of the business, including adjudication.
That is not to say the adjudication process is done well. In fact, it is hugely wasteful, either intentionally or unintentionally, and the problem is that the government does not audit the insurance companies often enough, nor does it levy penalties sufficient to incentivize proper and efficient adjudication.
The government should be doing constant random checks on claims to see if they were processed and adjudicated in a timely and efficient manner with a sufficiently low error rate on behalf of the adjudicators, and the government is basically doing none of that.
All the highest compensated non executive level employees I know are doctors, who would be highly compensated at every business. Same for all the executives, whose pay does not seem outsize compared to executives at other similar sized organizations. If anything, health insurance companies are known to be pretty stingy with pay unless you're in high demand, e.g. doctors.
I have always only purchased maximum liability only insurance, and my premium went from $40 per vehicle per month to $50 per vehicle per month over the last decade. In Washington.
The insurance companies are not stopping the government from paying for everyone's healthcare. It's the other way around, governments are using insurance companies (better referred to as managed care organizations since they don't really sell insurance) to add the friction so that some people get more healthcare and some people get less.
Who gets more and who gets less depends on who has political power (that's why the old and non working get subsidized by the young and working), and in a democracy, this question ultimately comes back to the voters.
Bottom line is due to demographics and restrictions in the credentialing process (including for medicine itself, one of the costliest components of healthcare), there is nowhere near enough supply of healthcare relative to demand, AND due to the enormous damages awarded in lawsuits in the US, the cost of liability protection is sky-high and increases prices for every step of the healthcare chain.
We need way more healthcare providers, and tort reform, and publicly funded medicinal trials, and without that we will continue to limp on with this bureaucratic maze to essentially reduce demand to manageable levels.
Here are the sub 5% profit margins for the publicly listed insurers. On the same website, clicking on the "Revenue & Profit" tab will show you that all of the health insurers, combined, earn less than $50B of profit per year, and most of that is probably not even insurance related since a large portion comes from UNH's enormous healthcare provider business.
The above obviously does not include the many millions of Americans covered by non profit insurers, such as Kaiser Permanence, Providence, Cambia, and the various Blue Cross plans.
Here are the 5 year returns for the above businesses compared to SP500:
You can also close the lid and trust it to stay off and open it up even a week later and resume at the same place you left off with very little battery usage. How no one else can figure out how to do this in almost 15 years or more is beyond me.
Unplug before closing. I'm not sure where I read this, but this is the cause for the backpack cooking. When plugged in it goes into active sleep or something, not really sleep. When unplugged and it goes to battery mode, and activates the real sleep mode.
Something something windows something something shitty power management.
Try it for yourself and see if that makes a difference. It worked for me!
I remember at some point dell had a warning to not sleep your laptop and put it in a bag, as it can actually cook the lcd panel!
Happens on my ASUS ROG Zephyrus G14, personal laptop frequently enough i do a full power down when not using it. Definitely a hardware/Windows problem.
it does two things, normal power sleep + writes a memory snapshot to disk. So even if it runs out and powers down completely it still puts you back where you were when you plug it in and open lid, just a bit slower and you need to auth
It’s funny that this is even remotely a concern in 2026. We have computers you can talk to but Windows laptops maybe won’t go to sleep in your backpack.
I do hope that it’s fixed though. I haven’t followed Windows laptops that closely, but my work laptop from a few years ago does lose battery surprisingly quickly when “sleeping”.
I don't think going with windows is the move if you're trying to have sleep working like in a macbook. Too many stories of laptops waking up for no good reason.
Linux on the other hand has always been able to sleep as expected. I'm definitely advocating for panther lake + linux. Not panther lake + windows, which I hoped was clear given the context of the parent comment.
> What I do know is that Windows sucks and macOS has absurdly good battery life, both in active use and in sleep.
Ever since lunar lake (intel's prev-gen ultrabook chip), this isn't even true anymore.
And now with panther lake, competing windows and macOS laptops do have comparable active use battery life, especially when comparing against macbook airs which do sometimes lose because of their smaller batteries.
This guy: https://www.youtube.com/@JustJoshTech does really good battery tests (brightness at 300 nits, looped office tasks, wifi on, BT on), and a number of windows laptops match even the 14in macbooks pros. That macbook pro already gets noticably more battery life than both the 13 and 15in macbook air.
For a specific example ,the current XPS14 without the OLED (meaning the base 1200p screen) will have hours more battery life than any macbook. If you're looking for "absurdly good battery life", both macOS and windows laptops can give you this today. Your last comment hasn't been true (at least for active use) for at least since lunar lake came out (end of 2024).
Let me wax poetics here. Apple has been chasing the dream of the portable computer for so long, and has been at the forefront of the ultimate form factor of the personal computer, the laptop, since the early 90s. It's not surprising to me that the company that made an OS for everything, and a project to make an OS for everything, cannot figure out a reliable way to bring us a bicycle for the mind where you just close the lid.
Only Apple has been laser-focused to give us this experience.
I've had my Framework (w/Arch and KDE) since 2022 and have yet to have any problems with sleep. I can safely unplug from my monitor/dock, close the lid, and drop it in my bag. It's never tried to cook itself while in sleep.
Battery life in sleep (and in general) could be better, but on the whole I've been quite happy with it.
WA didn't stall, it's not within WA's jurisdiction (unless it wants to go against the federal government). Also WA isn't going to do it, and shouldn't do it, unless California does.
https://www.kff.org/private-insurance/medical-loss-ratio-reb...
https://www.oliverwyman.com/our-expertise/insights/2023/mar/...
That is not to say the adjudication process is done well. In fact, it is hugely wasteful, either intentionally or unintentionally, and the problem is that the government does not audit the insurance companies often enough, nor does it levy penalties sufficient to incentivize proper and efficient adjudication.
The government should be doing constant random checks on claims to see if they were processed and adjudicated in a timely and efficient manner with a sufficiently low error rate on behalf of the adjudicators, and the government is basically doing none of that.
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