Daily Archives: 20 August 2025

12 Million Don’t Use The Health Insurance They Have

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The lede lays out the background.

ObamaCare really is a gift that keeps on giving—for insurers. The law forces Americans to buy pricey plans with benefits they don’t need. And now the Paragon Institute reports that taxpayers are subsidizing insurance for nearly 12 million people who never use their coverage.

As the WSJ puts it, here’s the wild part:

More than a third of all enrollees generated no medical claims last year, according to Paragon’s analysis. That includes 40% of those in plans that are fully subsidized. Between 2021 and 2024, the number of enrollees who didn’t use their health coverage more than tripled to 11.7 million from 3.5 million.

There are a couple of reasons for this. One is that being forced to buy something that isn’t needed or wanted bit. The other is that “purchasers,” after paying those enormously high premiums, or having the government pay those premiums with OPM, still would have to pay out of their own pockets for any health care throughout the year because of the enormously high deductibles those ObamaCare plans hide behind.

Forgive us for being old-fashioned, but why should taxpayers subsidize insurance for healthy people who don’t need or use it?

Indeed.

No, It’s Not

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On the matter of an organization’s cybersecurity responsibilities, Kurt Knutsson opened with this in a Fox News article:

When a hospital or nonprofit falls victim to a cyberattack, it’s hard to place blame. Cybersecurity isn’t their strength, and many lack the budget for a dedicated security team, let alone a chief technology officer.

It’s completely straightforward to fix blame in such a case, as in all other cases. Knutsson identified the culprits even while denying the difficulty of identifying them. The lack of sufficient budget and (not or) the lack of security-capable IT personnel is directly the fault of the hospital or nonprofit’s management team, who refused to provide the budget necessary to have proper security against cyberattacks.

Especially for hospitals, which maintain so much personal and personally identifying medical data, such conscious decisions to not perform are inexcusable. Cybersecurity needn’t be an organization’s strength, but cybersecurity—and the personnel and resources needed to achieve and maintain it—most assuredly need to be a serious undertaking.