You're right they're wrong. As a claims handler the policyholder with a long list of speeding convictions is also the policyholder with a long list of accidents.
August 17, 2026 at 7:27 AM
You're right they're wrong. As a claims handler the policyholder with a long list of speeding convictions is also the policyholder with a long list of accidents.
I don’t understand how even a change like cutting off the subsidies wouldn’t require due process where the policyholder can counter the accusation of fraud.
September 27, 2026 at 3:45 AM
I don’t understand how even a change like cutting off the subsidies wouldn’t require due process where the policyholder can counter the accusation of fraud.
Can someone explain to me how an insurance company denying life saving medical care to a policyholder is different than murder?
September 5, 2026 at 10:07 PM
Can someone explain to me how an insurance company denying life saving medical care to a policyholder is different than murder?
Here's an example of a fake insurance "certificate" issued to an author who was tricked into buying "book return insurance". There's no such thing, of course, but it's quite a common scam. Price tag: $7,500. More info: writerbeware.blog/2024/02/16/t...
![Premium Book Insurance Certificate
This document outlines the terms and conditions of the book insurance contract for “[redacted] entered into by [redacted] and Professional Development Agency.
Policyholder: [redacted]
Insurer: Professional Development Agency
Policy Number: 810-0025-3612
Effective Date: July 09, 2024
Coverage Period: July 09, 2024 – July 09, 2027
Coverage Details:
1. Covered Perils: This policy covers loss or damage to books owned by the policyholder resulting from fire, theft, vandalism, accidental damage, or other covered events.
2. Coverage Limits: The maximum coverage limit for this policy is $250,000.00. Any loss or damage exceeding this limit will not be covered.
3. Deductible: The policy includes a deductible of $25.00. The policyholder is responsible
for paying this amount out of pocket before the insurer will provide coverage.](https://cdn.bsky.app/img/feed_thumbnail/plain/did:plc:uy6mloyr37qtcdml3bq6a6o4/bafkreiequtevi72qg4frnirkxiuymcq3znjtw26b5bewyqmcasz56fnrku)
October 7, 2024 at 11:23 PM
Here's an example of a fake insurance "certificate" issued to an author who was tricked into buying "book return insurance". There's no such thing, of course, but it's quite a common scam. Price tag: $7,500. More info: writerbeware.blog/2024/02/16/t...
INSURANCE EXEC 1: Hey, maybe we should start printing the policy documents on normal non-tissue paper without extra folds
INSURANCE EXEC 2: Oh, yeah, that way it’d be easier for the policyholder to scan and keep a digital copy
[BEAT]
[BOTH BURST OUT LAUGHING]
INSURANCE EXEC 2: Oh, yeah, that way it’d be easier for the policyholder to scan and keep a digital copy
[BEAT]
[BOTH BURST OUT LAUGHING]
April 12, 2025 at 11:54 PM
INSURANCE EXEC 1: Hey, maybe we should start printing the policy documents on normal non-tissue paper without extra folds
INSURANCE EXEC 2: Oh, yeah, that way it’d be easier for the policyholder to scan and keep a digital copy
[BEAT]
[BOTH BURST OUT LAUGHING]
INSURANCE EXEC 2: Oh, yeah, that way it’d be easier for the policyholder to scan and keep a digital copy
[BEAT]
[BOTH BURST OUT LAUGHING]
No biggie, it just means Florida slaps their Bizarro Quasi-Socialism button again:
* 15% retroactive surcharge on Citizens policyholders
* 10% retroactive surcharge on all policyholders statewide
(I'm not making this up; this is, incredibly, how it actually works.)
* 15% retroactive surcharge on Citizens policyholders
* 10% retroactive surcharge on all policyholders statewide
(I'm not making this up; this is, incredibly, how it actually works.)
October 7, 2024 at 12:35 PM
No biggie, it just means Florida slaps their Bizarro Quasi-Socialism button again:
* 15% retroactive surcharge on Citizens policyholders
* 10% retroactive surcharge on all policyholders statewide
(I'm not making this up; this is, incredibly, how it actually works.)
* 15% retroactive surcharge on Citizens policyholders
* 10% retroactive surcharge on all policyholders statewide
(I'm not making this up; this is, incredibly, how it actually works.)
"policyholder sustained self wounding, terminating coverage"
October 30, 2024 at 1:07 AM
"policyholder sustained self wounding, terminating coverage"
Woke: insurers ensure solvency by seeking out policyholders who don't file claims; the more claims, the less desirable the policyholder.
Broke: insurers ensure solvency by only having policyholders who file claims - the more claims, the more desirable the policyholder.
Broke: insurers ensure solvency by only having policyholders who file claims - the more claims, the more desirable the policyholder.
Dr Oz says the Trump administration will kick more than a million people off health insurance because some of them have "never filed a claim"
September 22, 2026 at 7:09 PM
Woke: insurers ensure solvency by seeking out policyholders who don't file claims; the more claims, the less desirable the policyholder.
Broke: insurers ensure solvency by only having policyholders who file claims - the more claims, the more desirable the policyholder.
Broke: insurers ensure solvency by only having policyholders who file claims - the more claims, the more desirable the policyholder.
Rip-off Britain.
'Bereavement penalty’: people who lost partners hit by insurance premium rises.
Newly bereaved customers pay more as many insurers regard a single policyholder as higher risk.
Divorced and separated couples are also affected.
'Bereavement penalty’: people who lost partners hit by insurance premium rises.
Newly bereaved customers pay more as many insurers regard a single policyholder as higher risk.
Divorced and separated couples are also affected.
‘Bereavement penalty’: people who lost partners hit by insurance premium rises
Campaigners claim AI algorithms are behind hefty increases in renewal quotes for home and car cover
www.theguardian.com
November 16, 2025 at 8:14 AM
Rip-off Britain.
'Bereavement penalty’: people who lost partners hit by insurance premium rises.
Newly bereaved customers pay more as many insurers regard a single policyholder as higher risk.
Divorced and separated couples are also affected.
'Bereavement penalty’: people who lost partners hit by insurance premium rises.
Newly bereaved customers pay more as many insurers regard a single policyholder as higher risk.
Divorced and separated couples are also affected.
Coming up on @ktla.com: California's insurance commissioner reminds insurers that they're required by law to pony up some cash if a policyholder needs money right away to cope with a natural disaster
January 24, 2025 at 6:49 PM
Coming up on @ktla.com: California's insurance commissioner reminds insurers that they're required by law to pony up some cash if a policyholder needs money right away to cope with a natural disaster
Also, not mentioned in the thread: "rescission".
Prior to the ACA ending the practice, an insurer could just use "rescission" to cancel any policy that became inconvenient - for example, if the policyholder was using too much care, making too many claims.
Prior to the ACA ending the practice, an insurer could just use "rescission" to cancel any policy that became inconvenient - for example, if the policyholder was using too much care, making too many claims.
July 10, 2024 at 10:31 PM
Also, not mentioned in the thread: "rescission".
Prior to the ACA ending the practice, an insurer could just use "rescission" to cancel any policy that became inconvenient - for example, if the policyholder was using too much care, making too many claims.
Prior to the ACA ending the practice, an insurer could just use "rescission" to cancel any policy that became inconvenient - for example, if the policyholder was using too much care, making too many claims.
NEW: NY AG Letitia James asks Judge Engoron to REJECT Trump’s $175 million bond s3.documentcloud.org/documents/24...
April 19, 2024 at 7:40 PM
NEW: NY AG Letitia James asks Judge Engoron to REJECT Trump’s $175 million bond s3.documentcloud.org/documents/24...
"Rescission" affected mostly individual policies, not employer-based (they'd be cancelling the entire contract with that employer), but was INCREDIBLY frequent for individual policies - I remember seeing 5% per year. If an individual policyholder needed expensive care, their insurance could vanish.
July 10, 2024 at 10:33 PM
"Rescission" affected mostly individual policies, not employer-based (they'd be cancelling the entire contract with that employer), but was INCREDIBLY frequent for individual policies - I remember seeing 5% per year. If an individual policyholder needed expensive care, their insurance could vanish.
Who should not have the power to shut off your Medicare prescription coverage. It’s crazy that they have that power at all. They should be required to notify Medicare what they are doing as well as the policyholder. But I guess when you’re going fabricate an excuse, you don’t contact anybody first.
March 7, 2025 at 7:07 PM
Who should not have the power to shut off your Medicare prescription coverage. It’s crazy that they have that power at all. They should be required to notify Medicare what they are doing as well as the policyholder. But I guess when you’re going fabricate an excuse, you don’t contact anybody first.
guys my dividend came in i'm now old money
August 22, 2026 at 6:06 PM
guys my dividend came in i'm now old money
I … how the f–– is an insurance company expecting a paying policyholder to do their own legwork to investigate a hit-and-run?
October 20, 2023 at 5:04 PM
I … how the f–– is an insurance company expecting a paying policyholder to do their own legwork to investigate a hit-and-run?
Oh, e-bike insurance premium went down 15%.
Was told this what happened once I’ve been a policyholder for a while. This will be my third year with the policy.
Was told this what happened once I’ve been a policyholder for a while. This will be my third year with the policy.
July 29, 2025 at 4:05 PM
Oh, e-bike insurance premium went down 15%.
Was told this what happened once I’ve been a policyholder for a while. This will be my third year with the policy.
Was told this what happened once I’ve been a policyholder for a while. This will be my third year with the policy.
Making insurance unaffordable feels like a surefire way to both exacerbate the housing crisis and ensure that the state will be expected to pick up the pieces. I understand *why* insurers are pushing for increases and view this as a captive market, but something has to give here.
Allstate gets OK to raise California policyholder rates by a third
Allstate gets OK to raise California policyholder rates by a third
www.pressdemocrat.com
August 29, 2024 at 3:32 PM
Making insurance unaffordable feels like a surefire way to both exacerbate the housing crisis and ensure that the state will be expected to pick up the pieces. I understand *why* insurers are pushing for increases and view this as a captive market, but something has to give here.
Whoever orchestrated this you have schedule, knew when he’d be arriving to the hotel and from what direction. Doubtful it was a disgruntled policyholder.
December 5, 2024 at 9:58 PM
Whoever orchestrated this you have schedule, knew when he’d be arriving to the hotel and from what direction. Doubtful it was a disgruntled policyholder.
Half of all cases resolved during Citizens’ mandatory arbitration process between March 2024 and July 7, 2025, settled for $500 or less to the policyholder.
An additional 28% were settled by Citizens for an average of $30,000.
By @marioarizabaez.bsky.social
An additional 28% were settled by Citizens for an average of $30,000.
By @marioarizabaez.bsky.social
A Florida Home Insurer Was Allowed to Bypass the Courts During Claim Disputes. It Won More Than 90% of the Time.
State legislators and executives at Citizens Property Insurance touted mandatory arbitration as advantageous for both consumers and insurers. In practice, homeowners were left with few avenues for rec...
www.propublica.org
September 19, 2025 at 12:30 PM
Half of all cases resolved during Citizens’ mandatory arbitration process between March 2024 and July 7, 2025, settled for $500 or less to the policyholder.
An additional 28% were settled by Citizens for an average of $30,000.
By @marioarizabaez.bsky.social
An additional 28% were settled by Citizens for an average of $30,000.
By @marioarizabaez.bsky.social
The deal "offers another look at how [Mark] Walter and fellow Wall Street money managers have tectonically shifted the once-boring business of life insurance, steering policyholder premiums into more unusual investments."
@bloomberg.com
www.bloomberg.com/news/article...
@bloomberg.com
www.bloomberg.com/news/article...
LeBron James Borrowed $300 Million From Insurers Arranged by Guggenheim
When LeBron James signed up to lead the Los Angeles Lakers to NBA glory with a $154 million contract in 2018, it wasn’t the biggest deal he did that year.
www.bloomberg.com
August 25, 2026 at 2:54 PM
The deal "offers another look at how [Mark] Walter and fellow Wall Street money managers have tectonically shifted the once-boring business of life insurance, steering policyholder premiums into more unusual investments."
@bloomberg.com
www.bloomberg.com/news/article...
@bloomberg.com
www.bloomberg.com/news/article...
Only someone who doesn’t understand how the subsidies function would believe this nonsense. Trust me, the government does not send you, the policyholder, a check. That’s not how any of it works.
Breaking News: The Trump administration has cut 750,000 enrollees from Obamacare, Vice President JD Vance said, claiming that many were receiving premium subsidies they did not qualify for and that some were not even real people. nyti.ms/4xJwbXx
September 23, 2026 at 12:48 AM
Only someone who doesn’t understand how the subsidies function would believe this nonsense. Trust me, the government does not send you, the policyholder, a check. That’s not how any of it works.
@unitedhealthcare.sa.com @unitedhealthcareus.bsky.social congratulations on saving money for your policyholder! Who needs poor houses when we have UHC?
January 1, 2025 at 6:09 PM
@unitedhealthcare.sa.com @unitedhealthcareus.bsky.social congratulations on saving money for your policyholder! Who needs poor houses when we have UHC?
I love technology. First time in a while when death admin has required me to Articulate Very Clearly "policyholder DEATH" at an automated voice system.
Tbf it did register and instantly send me to a real, empathetic person. But still. I don't enjoy it.
Tbf it did register and instantly send me to a real, empathetic person. But still. I don't enjoy it.
August 20, 2025 at 9:50 AM
I love technology. First time in a while when death admin has required me to Articulate Very Clearly "policyholder DEATH" at an automated voice system.
Tbf it did register and instantly send me to a real, empathetic person. But still. I don't enjoy it.
Tbf it did register and instantly send me to a real, empathetic person. But still. I don't enjoy it.
Private equity has been scooping up life insurers that provide "permanent capital." Private credit has been financing the AI infrastructure build-out. Those two come together, and the result could be a bailout paid by state taxpaers, according to a fascinating new paper. I talked to the authors:
Private credit companies are key owners of AI-related assets. Many of their parent private equity firms own life insurers that are dumping grounds for bad loans—and subject to state bailouts.
Instead of passing through bankruptcy, insolvent life insurers have all their liabilities—in particular the policyholder claims—paid for by state guaranty funds.
prospect.org
August 3, 2026 at 2:25 PM
Private equity has been scooping up life insurers that provide "permanent capital." Private credit has been financing the AI infrastructure build-out. Those two come together, and the result could be a bailout paid by state taxpaers, according to a fascinating new paper. I talked to the authors: