Organized Money The End of United Healthcare For All
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Feb 11, 2026 Olivia Kosloff, senior fellow at the American Economic Liberties Project and publisher of Acute Condition, breaks down Medicare Advantage and insurer power. She discusses market concentration like UnitedHealth's reach. Topics include AI-driven upcoding, new CMS rules that shocked insurers, insurer reactions and exits, and how oncology practices and vertical integration shape costs.
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From Consultant To UnitedHealth Acquisition
- Olivia started in hospital consulting and was acquired by Optum, a UnitedHealth subsidiary.
- That early career move exposed her to how insurers integrate across healthcare services.
Insurers Are Full Healthcare Behemoths
- Major insurers now own PBMs, specialty pharmacies, retail pharmacies, and physician groups.
- They function as integrated healthcare behemoths, not mere insurers.
Change Hack Exposed Vertical Control
- During the Change Healthcare hack, providers couldn't get paid and turned to loans from a United-owned bank.
- UnitedHealth then pressed providers to repay and even garnished reimbursements, showing vertical control risks.