Not admitted · Not a forecast
Rules 1.1.0 · as of 14 Sep 2026
Owen Scott Muir · Said 7 Dec 2024 · owen-1393
Quote
Not a forecast
“And those expenses, all of those expenses , would find their way to the UnitedHealth Group balance sheet in a way that increased the total cost of doing business for their health insurance business, and thus increased the amount of profits they were allowed to make using a fixed medical loss ratio calculation .”
Republished open letter, 'Gem #3: Rage in Favor of the Machine and Its Subsidiaries!', framed as sincere analysis ('Here is how insane their incentives are'). Bulleted list: UnitedHealth Group's system of collecting disability disclosures before rejecting applicants invites class-action litigation in New York, plus retaliation in hiring; the author says these could be litigated and UHG could lose billions.
Descriptive, retrospective, or a statement of preference; no future state asserted.