VERY open ended request for public comment from DOJ & FTC

I’m starting to write today.

I’m going full blown, take no prisoners, "civil liberties” on this issue….

Table of Contents

Civil Liberties ………………………………………………………………………… page 2

Example #1. The medical markets exercise ‘false imprisonment,” as a

side effect of inordinate physical and financial power over patients …………..…. page 3

Example #2. The medical markets exercise their ability to restrict

freedom of speech and seize physician property.………………………..………….. page 5

Ownership & Innovation ………………………………………….…………………. page 6

Example #3. Dexcom, Abbott Labs, Medtronic, UHG, and EPIC –

performance, decision making, and data ownership influence real

value and innovation in modern markets………………………………………..……. page 6

Previous Rules ………………………………………………………………………… page 11

System Complexity……………………………………………………………………. page 11

Market Remedies & Rulemaking …………………………………………………… page 13

Medical negligence…………………………………………………………………… page

Example #4. I attempt to get prescriptions written in early 2026 ……………..…. page

References ……………………………………………………………………………. page 15-17

Appendix A. Previous submission to DOJ – Docket No. ATR-2025-0001-0141 (https://www.regulations.gov/comment/ATR-2025-0001-0141)

Appendix B. Medical Device Security & Diabetes

Appendix C. The documentation that I produce to obtain an insulin prescription

Civil Liberties

My civil liberties are being violated. The magnitude of those violations is directly related to the magnitude of monopolization in the market. My Grandmother didn’t fight as a nurse in the Pacific so that my civil rights could be subjugated on American soil with the support of Congress, the Judiciary, and regulatory agencies. (Figure 1) Can we perform rulemaking that requires DOJ and/or FTC to keep record of civil rights violations and address those via market remedies? It is my position that by the time an instance of market monopolization lands on the desk of the DOJ and/or FTC, civil rights abuses to citizens are profound and endemic in the market. Beyond that, and the monopoly’s propensity to financially extort citizens and taxpayers, the market’s ability to provide patient care (it’s primary service) might regularly be described as ‘incompetent’ or ‘medically negligent’ in a manner that puts patients at risk of loss of life or limb. The magnitude of incompetence and neglect of their professional responsibilities and duty to provide care is so great as to negate the entire reason for the industry’s existence. It so often constructs artificial barriers to care that the system itself might be imagined as the primary disease or source of disability in our economy. That disease can be cured. Americans must not be disabled by it.

Figure 1. My Grandmother

Unrestricted market power by a monopoly prompts the market to disregard all stakeholder interests, other than its own. This dynamic inevitably results in infringement and the eventual complete loss of civil rights by every market stakeholder other than the monopoly. I document recent, practical examples of HOW that infringement takes place, from a patient perspective, in my previous submission to DOJ under Docket No. ATR-2025-0001-0141. It is Appendix A.

It is, “The mission of the Department of Justice is to uphold the rule of law, to keep our country safe, and to protect civil rights.” I believe that the previously documented examples constitute insurmountable barriers to, “life, liberty, and pursuit of happiness,” for which DOJ is obligated to respond. The more severe the infringement on civil liberties is, the more obligation our federal agencies have to respond. The more severe the infringement on civil liberties is, the greater the magnitude of market monopolization can be inferred to exist. I believe it would be difficult to find an example in the U.S. markets where the magnitude of civil rights infringements has been greater than in the case of the medical monopolies. I ask that when civil rights and civil liberties are being impeded in the markets, federal agencies respond in a powerful and decisive way. Let’s extend our previously documented examples to show, in a concrete way, how markets exercise inordinate control over citizen’s enumerated and unenumerated rights.

Example #1. The medical markets behave in a manner that might be reasonably described as ‘false imprisonment,” as a side effect of inordinate physical and financial power over patients.

I spoke with a diabetic who was transported to the hospital after an emergency event called “hypoglycemia,” commonly known as “low blood sugar.” Hypoglycemia can result in a patient losing consciousness. It is a common medical emergency encountered by the medical system.

An EMT responds to this circumstance by providing a snack to the patient, if they are conscious. If a patient is unconscious, medics provide intravenous (IV) glucose. Patient condition improves within 15 minutes. Perhaps, in a severe event or when they receive less effective treatment, the patient may not be fully oriented to their surroundings for up to an hour. Until then, they might not be ‘fully conscious’ and incapable of legal decision making. In many cases, the cost of treatment is the cost of a candy bar and does not require hospital transport.

I spoke with a diabetic who was hospitalized for hypoglycemia. It was a severe event that resulted in loss of consciousness. By the time she reached the hospital she was fully oriented to her surroundings and capable of legal decision making, due to her medic’s administration of IV glucose during ambulance transport.

Her medical staff performed a blood glucose test (at an equipment cost of $0.50) after IV treatment and indicates that she was capable of legal decision making (blood glucose = 100) within 30 minutes. EMT’s and paramedics will typically perform another practical test to evaluate a patient’s level of consciousness and their capability to perform conscious decision-making. To do this, they ask the patient three open-ended questions and determine if the patient can verbalize: 1.) Who she is; 2.) Where she is, and 3.) What time of day it is. If a patient can answer all three questions, she is determined to be, “Alert and Oriented to Person, Place, and Time (AOx3).” This patient was “AOx3,” meaning capable of making legal decisions within 30 minutes.

The patient asked to be discharged and was refused. She was kept in hospital for 5 days. During this time, she was desperate to be released because she knew how expensive her hospital stay was. She was told that if she left the hospital against medical orders, the insurer would not cover any of the associated costs of ambulance transport and treatment. That cost amounted to many thousands of dollars.

In this way, the market exercised insurmountable financial leverage over her, such that her civil liberty to refuse further medical treatment was effectively extinguished. The only option effectively afforded her was to accept ‘false imprisonment’ in the hospital. When we see market practices contradicting centuries of common law and common medical practice, that should raise the attention of our federal agencies because it suggests that very powerful market forces are at play to undermine the interests and legal rights of stakeholders.

Within a day of admission to the hospital, her blood glucose increased to a value of 250, then 300, then 400, where hospital staff chose to maintain it. She got sick. She became weak and nauseated. She vomited. Her physical suffering increased and the hospital refused to administer insulin to bring her blood sugar back into a physiologically normal range of around 100. She became unable to eat. She became prone to infection. Why? Because the insurers penalize the hospital financially if a patient experiences a blood glucose value less than 70. The hospital responds by NOT acting in the interest of the patient, but in the interest of the insurer.

The impact of monopoly power has now drifted from purely financial leverage into physical leverage. It changes the goal of the hospital from patient care and limiting the associated liability of that care, to one where their exclusive interest is to limit their own financial liability with the insurer. Centuries of “Do no harm,” principals and professional standards go out the window under the financial leverage exercised by insurers. This is a situation that I have, myself, encountered in a hospital situation.

The market power exercised by insurers manifests as a catch-22 for providers and patients that always involves trading in the currency of civil liberties. Patients are forced to choose between financial ruin and even greater financial ruin. The insurers say, “Give me your house in exchange for your life,” or “Give me your house and be in debt for the next decade, in exchange for your life.” A citizen has no choice at all in any practical sense. Those choices aren’t indicative of a free market or free citizens.

Example #2. The medical markets exercise their ability to restrict freedom of speech and seize physician property

Doctor Elizabeth Porter dedicated her life to building a business – a large medical practice. When she chose to discuss the experience of operating that business, the insurers snapped their fingers and kicked her business out of network so that she could not accept insurance payments from patients. Patients lost the ability to see their provider in any practical way because of insurers’ construction of arbitrary and retaliatory financial barriers. Those barriers might be likened to the construction of a physical barrier that prevents a competing railroad from accessing a specific geographic region in the U.S. But it is more nefarious because it forces a trade in the currency of Dr Porter’s democratic freedoms. [1] Her choice is, “Trade your property (medical practice) and all future earnings from it, for your freedom of speech.” In this way, Americans are continually asked to purchase their democratic liberties (which already belong to them) from the insurers.

In this way, market monopolization enables seizure of BOTH private property AND democratic freedoms. It forces large segments of the U.S. population to live in a separate economy, modeled after that built by Russia. It fundamentally alters citizen participation, innovation, and ownership of property in the modern economy in a manner that is devastatingly destructive for American prosperity.

These examples are meant to illustrate how a market dominated by monopoly power are identical to the power dynamic that the U.S. Constitution was constructed to prevent – the power of a single entity, or king, to subjugate the natural rights of citizens, including the professional rights and responsibilities of medical providers who are beholden to centuries of law based on adherence to their Hippocratic Oath.

The insurers offered bank loans to providers as a tool to recover from problems that they themselves created in the Change Healthcare attack. They alone created the terms and the circumstances that necessitated those loans. The insurers are the sole decision makers in the establishment of “Do Not Hire Databases,” where doctors can be exiled from the profession and right to practice for any decision making that conflicts with the insurers will. In a healthy market and free society, alternative routes of decision making are possible. We have lost that.

Ownership & Innovation

“The answers you get, depend on the questions you ask.” – Thomas S Khun

Who owns the data that my body produces? Who has the right to ask questions about that data? Who owns the right to access, interpret, innovate, and act on that data? Does the hardware or software that physically collects my personal medical data also own it?

I didn’t invent the machine that collects my blood glucose data. As a result, do I have rights associated with that data? U.S. taxpayers pay a lot of money to the health insurers and hospital systems. Do taxpayers have any right by association to see or interpret data related to patient care or its financing? In both cases the right to the data has been purchased in some sense, but in the first case I have an undisputable natural right to the data my body produced and to perform decision making based on that data because I am the only person who bears risk associated with any treatment.

Figure 2. The realities of data ownership

Access to data enables analysis and informed decision making. Patients have a fundamental right to perform informed decision making when they evaluate risks associated with any treatment. When health insurers or medical device manufacturers restrict data access, they determine what questions can be investigated and the type of analysis can be done. They determine what types of problems can be solved and what types of questions can be asked. It’s no surprise then that when data access is limited to one stakeholder in the system, innovation follows the interests of that stakeholder.

Example #3. Dexcom, Abbott Labs, Medtronic, UHG, and EPIC – performance, decision making, and data ownership influence real value and innovation in modern markets

Three companies built Continuous Glucose Monitors (CGMs) to collect patient data on blood glucose. Dexcom was the only company that allowed me full, open patient access to my personal medical data. What resulted was an ecosystem of innovation as patients built tools atop that data.

Patients built Nightscout, a tool to assist parents and caregivers remotely monitor a diabetic’s blood glucose and increase patient safety. [2] They built Tidepool and other information systems used for data analysis. [3] They built the first Automated Pancreas Systems (APS) (Now, commonly known in the commercial market as Automatic Insulin Delivery systems, or “AID” systems). These included openAPS, DIYPS, XDrip, and Loop APS. [4, 5, 6, 7]

Loop APS required some discussion with agencies like FDA because of the scale it was deployed at. FDA permitted development of class III medical devices by patients because it was widely recognized that there would be no innovation in patient care without participation from the stakeholders most invested in improving patient care. [8] For a history of diabetics leading industry innovation see the attached Appendix B. [9, 10]

What choices did other companies make? Did they choose to add real value into the economy? Abbott chose to sue patients. (figure 3) United Health Group and Medtronic teamed up to market fix. (figures 4 and 5) Both Abbott and Medtronic locked patient data up inside a proprietary software system, restricting patient options for analysis and investigation of their own personal medical data.

MDT & the Siphoning effect study.

Figure 3. Abbott threatens lawsuit against patients for trying to access their own personal medical data via their own personal medical devices [11]

Figure 4. United Health Group prevents coverage for any insulin pumps other than those produced by Medtronic [12, 13]

Figure 5. UHG 2019 statement regarding insurance restriction to only Medtronic insulin pumps [14]

When the success of your innovation depends on restricting data access or the civil liberties of other stakeholders, it may not be an innovation at all. It might be a strategy to restrict innovation in the market to provide you with unfair advantage. That damages the prospect of future innovation.

Epic software is the primary Electronic Health Record (EHR) in the U.S. Does Epic win market share through the production of a superior product and use of superior technical capability to better serve the interests of stakeholders like patients and physicians? If so, why were diabetic patients able to make their medical devices and information systems interoperable starting in 2013. Figure 6 shows that it took Epic until 2025 to choose to facilitate a doctor’s ability to access and analyze diabetic patient data collected by their personal medical devices. [15] Does Epic have less technical capability than patients?

Figure 6. Abbott integrates data into Epic HER [15]

This discussion is meant to highlight how easily my right to access my own personal medical data can be removed. It highlights how Americans innovation triumphed in spite of the markets, not because of them. If a company can build a device as mechanically simple as an insulin pump (basically just an infusion pump with a actuator) and use that device as a mechanism for locking up my ability to access all the data related to my medical treatment, is that an honest trade? Patients have answered, “no.” FDA supported that position and bluntly told medical device manufacturers that if they wanted their device data secured, then ought to build secure devices. Early models of Medtronic insulin pumps had no encryption. It calls their competence into question, but that lack of competence opened doors for patients to innovate around the market. FDA recognized that the companies tasked with innovation and protecting patient safety were doing the opposite. They were using their leverage to prevent innovation that could otherwise lead directly to increased patient safety.

Does United Health Group (UHG) demonstrate superior technical capability to meet the demands of its stakeholders? Did its acquisition of Change Healthcare facilitate competition and innovation? Doctors, patients, and computer security professionals argue that it did not. Dr Eric Bricker discusses his perspective in the 2022 video, “United Health Group Acquisition of Change Healthcare… Healthcare Data Goldmine” [16] He raises the idea that the Change Healthcare acquisition represents a physical bottleneck for market data. How is that different than building a physical barrier to prevent a competing railroad from transporting goods? Creation of that bottleneck represents a chokepoint that brought down hospital systems, medical practices, and patient care all over the country by February of 2024. [17] This catastrophic failure in critical infrastructure was attributed to the UHG’s failure to secure a server. That’s the type of mistake that a baby makes. Do we expect our large American corporate entities to have more capability, competence, and responsibility than a baby? Maybe not anymore.

System Complexity

Systems exist along a spectrum of complexity. Some systems, like heart rhythms, are fairly predictable and deterministic. Some systems are inherently chaotic. Engineers may not have a good understanding of the underlying variables on which system behavior depends. They may not be able to perform good prediction of how the data will behave. Some systems, like blood glucose dynamics, exhibit behavior in between ‘predictable’ and ‘chaotic’. We call them “complex systems.”

In software engineering, software system complexity is rarely the result of modeling a system that is inherently unpredictable. Software system complexity is most often the result of poor engineering. When software systems are poorly maintained, not built to serve the primary goals we hope to achieve, are highly complex and unpredictable, and fail frequently in unpredictable ways, we call them, “brittle systems.”

Poorly engineered software systems are brittle and don’t have a long-life expectancy. Similar problems are exhibited by our U.S. healthcare system. Brittle systems require stakeholders to dedicate enormous amounts of unpaid time and resources to supporting the system because, left to its own devices, it fails immediately. Systems like these are inherently nonfunctional.

Software is a relatively new industry. It does not have long-standing first principles or standards the way that the field of medicine or physics does. It is described as, “The Wild West,” of the industries. A common strategy implemented by software developers is to build something so poorly that no one can understand it other than them. That makes a company dependent on the specific individuals who built the software. They can never be replaced because the systems they build are so irrational and nonsensical that they are the only ones who have any idea how the software operates or why it is failing. The more it fails, the more a company depends on them to troubleshoot it when it fails. It fails often. Building a system as poorly as possible is one of the most common strategies to make yourself irreplaceable. The government shouldn’t tolerate that.

This happened once with the State of Minnesota’s DMV software system, called MNLARS. [18] The system became so aged and complex that no one could write down the rules that governed it. The people who knew the rules had died years ago. But the misery inflicted by that software system lived on. Elderly women were being arrested at gunpoint because titles didn’t transfer. Companies hired to rebuild the system quit left and right. Members of the legislature referred to any attempt to fix the problem as, “the goat rodeo.”

It was all made worse by the fact that outdated software requirements were sometimes based on outdated laws that made no sense in a modern context. To change the software requirements, you had to change the law. I, personally, couldn’t keep a driver’s license valid to save my life because the paperwork allowing diabetics to drive cars required paperwork to flow through BOTH Drivers & Vehicle Services (DVS) software systems AND the medical system (two of the most failure prone systems that anyone might ever hope to encounter). It took me 5 years to remove one outdated law so that I could reliably maintain my driver’s license as a diabetic and participate in the economy. (figure 7)

Figure 7. Changing outdated laws as a mechanism for changing outdated software systems

The People no longer controlled the software system. The software system controlled The People. The burden of industry incompetence falls on ordinary people to remedy. No one knew how to rebuild it. Brittle systems are difficult and expensive to change. Any little change that you make intentionally, unintentionally breaks large portions of unrelated functionality. That’s the cost of poor engineering. Change is inevitable. Systems that are well engineered allow for change – changes in law, changes in desired functionality, and changes in technology. Society should not seize up around poorly designed software. That is absurd.

Previous Rules

Reading the previous rules outlined in the 2020, “Antitrust Guidelines for Collaborations Among Competitors,” made me feel patronized and unrepresented as an American. They gave an impression that the agencies were ‘out of touch,’ and unable to grasp the depth of market realities for citizens.

In 1999, I was 17 years old and a trained EMT. My friends and I used to prank call the local hospitals making hysterical statements to the operator like, “My friend has a broken leg! I want to bring him into the ER, but I need to know how much money to bring.” Knowing that they could give no answer, one of us would scream in agony in the background while the operator panicked and they struggled to come up with an estimate. The more they panicked, the harder we laughed. While our actions may have been dark and juvenile, they reveal that even children understood that the markets were broken. Today, I think that understanding is deeply embedded in American culture and requires remedy because it teeters on provoking violence.

Americans have always been inclined to hate powerful systems that exercise undo control over them. It’s a foundational cultural trait that traces back to the country’s birth. The rules, as previously written, read like an answer to an assignment created for the nephew of someone at the agency, if that nephew were a graduate student with a C-average who needed his uncle to help him pad his resume. Delete and rewrite all that ■■■■ according to real world hardship of Americans who have been living under monopoly power for the last 25 years. Do so with recognition of the bankruptcies, loss of life and limb, loss of civil liberties, loss of hope, and loss of progress that has been inflicted on our society.

Market Remedies & Rulemaking

For non-industry specific rulemaking, I urge regulators to return to first principals. Recognition that profound violations of civil liberties propagate in a market dominated by monopolization is important. Individuals have very little power to protect their own liberties by suing the largest companies in the nation, like a large insurance company or hospital. They have even less ability to challenge them when those same companies are taking 120% of an individual’s earned income and providing no service in return. System complexity impedes a court’s ability to understand problems and constrains their ability to protect civil liberties.

That complexity is a result of market failure. System complexity increases the amount of public resources and money required to handle the problems that develop until eventually they are too much for even state governments to handle. [18] It begs the question, is there a practical limit on the amount of public resources that one industry should be allowed to subsume? If Congress can’t handle the complexity, or is itself financially disincentivized to do so, the financial wellbeing of the entire country is in jeopardy.

When the combined public resources of many states combined cannot break free, then the market has seized up around the interests of only one stakeholder. We ought to continually see a reflection of those problems when they manifest as practical problems in the day-to-day lives of citizens. For me, someone who has always loved medicine, I want nothing more than to be free of its control. But I can’t even get a job in a different industry because the only industry that is currently hiring (forever marching to its own, uniquely disfigured drum) is healthcare. [19] Go figure. It’s not a coincidence. Healthcare has eaten the country like a ravenous pig, snorting up disproportionate resources and wealth from every business in the country, as giant monopolies apparently do.

Antitrust rulemaking ought to respond proportionately to the practical problems that Americans have experienced in a modern context. Once unfair market practices have been proven to exist at a large scale by federal agencies, either Congress or the agencies ought to be tasked with the responsibility of breaking those companies up to restore the economic freedom and civil liberties of its citizens. Without effective government intervention, the markets are handicapped and the monopolies just continue to expand and cripple the economy. [20] Financial penalties must be greater than, or equal to, the financial benefits of breaking the law. As capitalist economies have learned time and time again, companies can make more money by bringing legitimate value as opposed to simple market fixing. [21] Companies may sometimes need to be forcibly reintroduced to that business paradigm.

Where criminal conspiracy is suspected, it should be prosecuted. It should result in jailtime. Penalties should flow to the decision makers who benefited from installing instances of market corruption in the first place. Effective deterrence has not been demonstrated by DOJ in the past. Ineffective deterrence only promotes bad behavior and a brittle economy.

If insurers interfere in the practice of medicine, then they must simultaneously accept liability to balance market interests. One-sided markets where insurers exercise undo stakeholder power over decision making in patient care, but doctors and patients bear all the risk does not represent a free market and real value being added to the economy. It promotes the building of increasingly complex financial tools to benefit the insurers. We saw how this type of problem played out in 2008 when bankers and Wall Street did something similar.

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@mohe0001 I for one am grateful for your efforts. I especially thankful for you posting your grandmother’s picture. I saved it for my personal wall of heroes (sic) can’t spell, nurses are the best. I would like to know her story, you can PM me.

Do you think my argument sounds crazy, @CarlosLuis? I feel like I have to bring this down to fundamental principals and that’s civil rights. It feels a little dramatic to go there, but if we don’t get down to brass tacks, then maybe this all just drags on for another 20 years. :thinking:

My grandmother’s mother was Finnish and she came to the U.S. That’s kinda diabetes relevant because there’s a lot of T1s in Finland, although some argue that they just do more widespread testing there and therefore catch more cases.

My people come from Karelia in Finland. The Russians took that land during the Winter War. During that time, my family was writing back and forth with their extended family in Finland and we have some of those letters. But my great grandfather worked building bridges in NY City. They would walk without safety equipment across those high beams and one day he fell to his death. So, back then if they couldn’t support the kids without the income of the male earner, they adopted those kids into families with greater means. So, my grandmother got adopted by a wealthy family in Albany, but she still communicated with her biological family thru letters. When the War came, her older brothers joined the air force and she responded by joining the army as a nurse.

@mohe0001, I don’t can’t answer if your “argument sounds crazy,” but I feel like you may be sharing with the wrong group of people here. Most of us are here to talk about diabetes and how it affects our individual lives, so your numerous political posts are not really on-topic for this forum. Maybe there is a better site somewhere else on which you can share these tangentially related diabetes and politics thoughts?

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Ok. I primarily talk to the doctors and pharmacists about the impact of diabetes on my finances, job opportunities, and civil rights because they have a solid intuitive understanding of what that means.

But I would not classify conversation about medical markets as “political.” Politics is more where you drum up money for a political party or an election. I don’t do that. Practical problem solving through government is different. That’s what I do. Lots of problems are sooo terrible that only the government can fix it. That’s just the reality of the world we live in. It’s terrible, but its true.

For example, no one ever told me that my motive was ‘political’ when I petitioned the government over my desire to legally obtain a drivers license. They mostly just said things like, “I’m a diabetic who lives in Ohio. My state allows me to have a drivers license. I don’t know why yours doesn’t.”

That was really helpful in a practical way, at that time. It helped me move forward in my understanding of the problem. I could go read about how my state law was different than everyone else’s (except for Illinois - they had the same problem). It was actually very helpful because the ADA was reading what were writing on the internet and flew from Denver to Minnesota with a bill for me. The title of that bill was “Discriminatory Drivers Licensing for Diabetics.”

The only way that I have ever been contacted to move diabetes legislation is through these forums. They send a bat signal that says, “Show up at the state capitol at this time,” or “Go talk to that federal lobbyist.” Sometimes its “show up at this movie premiere on this day.” I never know what it is unless I’m curious and I show up. That’s how this all works in a practical sense. I may not be communicating well with the community about what is going on, but this stuff is pretty complex and I am sure as heck trying. I might be doing a little bit of bat signaling to “them,” whoever they are. But I’m primarily using different platforms for that. They definitely see it. Nobody needs FUD for that. The forums are primarily for innergroup communication - communication among diabetics.

The pharmacists and the doctors will speak for themselves. But it’s important for diabetics to speak for themselves as well. Why? Because they are the people primarily impacted and who have lost the most. FTC Sues Prescription Drug Middlemen for Artificially Inflating Insulin Drug Prices | Federal Trade Commission One way to define if you are moving ‘political’ legislation is to evaluate if the legislation moves thru the meat grinder of government or not. It takes both parties to move legislation. “Partisan” legislation tends to seize up because it takes many, many years to move legislation. The system is designed to work that way - so that when BOTH parties say, “This is a practical problem for our citizens,” the law moves forward. Does that make any sense?

Glance at Docket No. ATR-2025-0001 (https://www.regulations.gov/comment/ATR-2025-0001-0141) if its still unclear. That’s the best I can really come up with to help. It’s written in a way so that non-diabetics can understand. It will be totally clear to a diabetic. You might be able to find a sentence or two that includes some political pandering, but it’s a 50 page document. When you go to all the effort to write a 50 page document, it’s reasonable to include a sentence or two that helps whoever is reading it, sell it to any political partisans who inevitably exist up the chain of command. That’s reasonable. You dance to the music that is playing. If someone can’t tolerate that, then they are probably a political partisan themselves who’s overwhelming motive is one of party, not one of civil rights for diabetics. Or, maybe they are caught up in the emotion of politics on TV and are less focused about practical problem solving. That’s totally OK. But the world doesn’t stop moving because of that.

The practical reality is that it doesn’t matter which party you belong to, the gov is moving in a way where it is increasingly likely that they will break up the large medical monopolies. What happens then? I have no idea. How does that impact me as a diabetic? Maybe you know. I have no clue. I can only speculate. Does the government know? I don’t think they do. They probably have a ‘best guess,’ because they do stuff like this. I would venture to guess that there is some large impact for diabetics if they break up the large insurance companies. I was hoping you all might know what that is. It’s OK if you don’t. Maybe nobody knows. A lot of people are kinda leaning that way. That’s helpful info.

Companies get restructured. Somebody knows how to do that because they do it regularly. I don’t, personally, know how that happens. But somebody somewhere knows. Sometimes I just sit and think about that and listen to tunes and try to predict because it’s such a big question. I have a whole playlist for PBM reform. I’ll send you this one. It’s a little partisan, but you gotta just excuse that because because it’s a Minnesota band and Nordic culture just naturally sways in certain directions naturally because of the cold climate. Maybe it would have been useful for me as an individual to move out of this geographic region and be exposed to other ways of thinking, but I also might have lost my health insurance and died. I’ve seen that happen to friends w/ chronic illness. https://www.youtube.com/watch?v=FHXUwu0SIsw It’s also got some long instrumentals for reflection. I think about the song it in the context of my concern over how markets influence patient care. I don’t personally believe anymore that patient care can be ‘good’ without market reform. But I have a lot of unknowns that circulate around that idea and drive me crazy. Like, the world looks different if I believe, as a patient, that someone else (maybe that’s a paramedic. Maybe that’s a doctor. Maybe that’s a family member. Maybe that’s a random person walking by on the street.) will help me. Maybe my perceptions of the world and how it ought to operate depend/on or get influenced by if an episode of low blood sugar takes me out of the game of life for 15 min (like a BG=40), for an hour (like a ‘severe’ BG = 25), for a week (like an event like a severe Grand Mal seizure), or a year (like someone who has a ‘severe’ event due to unmedicated bipolar disorder), or forever because they are dead from cancer or kidney failure. Maybe my perception of how the world ought to best operate, depends on many things like that. Maybe the best course of action is to just eat a cookie.

I have no idea if the government benefits from other stakeholder input, or if I do. Maybe do. Maybe don’t. Maybe there’s more benefit if someone eats a cookie.

Does government policy benefit from eliciting feedback from stakeholders? Do Doctors benefit from eliciting feedback from patients? I don’t know. Sometimes they definitely do. Maybe its worth a shot because we have perspective that brings value. I, personally, think diabetics, as a community, are particularly good at intuitively understanding how systems behave. That’s a large part of what we do and how we increase our survival odds - intuitive predictions about complex system behavior.

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Here’s the old PBM diagram everybody used. https://www.youtube.com/watch?v=vT0NNXYjQ_Y

Here’s Dr Bricker discussing Change Healthcare and how that’s a point of failure (as a result of monopolization in the market) where the system bottlenecks. That’s a big deal because many describe the system as, “too big to fail.” But, of course, it does fail. Change Healthcare experienced a cyber attack that one of the largest in US history. It brought down healthcare systems all over town. When it happened, people had trouble responding because UHG didn’t supply any information. The cause of the attack was them not securing a server. Computer scientist and cyber security professions had a fit because that’s a type of mistake only a baby makes. You hope that these large companies have higher levels of competence than a baby. https://www.youtube.com/watch?v=be4vrnUu9J4

Diabetic Scott sent this today. He’s off working on GLP-1 pricing, but he’s well connected and if he says this is good to read, I guess I have to. Maybe it helps. They have updated the industry diagram to include GPOs. That important because a doctor drew the 1st version of the diagram. This new diagram shows the government incorporating stakeholder feedback from pharmacists, who have a very good understanding of the money flow. Their understanding of the problem is getting better. That’s why stakeholder input matters. If only doctors and pharmacists are allowed to discuss the topic, then only their interests get represented by the government, right?

Why should this matter to diabetics?

Because if no one in our community understands the details, then it allows powerful players to steal $20,000 to $40,000 from each of us per year (which the government now recognizes as a problem). That impacts your ability to own a home or a car. When young men are diabetics and don’t have enough money to buy insulin and they don’t want to be a burden on their mothers (asking for financial help), they die. That has traditionally been the cost of us not understanding how the system works. Doctors and pharmacists lose money, but we pay with our lives.

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That’s a little bit more digestible, thanks. A 9 minute video is more tolerable than the 1 1/2 hour one. :grinning_face:

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:sweat_smile: Dr Bricker is an amazing communicator. We all keep joking that we need to send him in to talk to the Senate, but that we will need to ship a giant whiteboard with him. He always uses a whiteboard. He has a giant library of videos, so I just needed to spend the time to located the relevant ones for ya.

That diagram is what people on Tu posted when they first started explaining it all to me.

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Someone from a different patient community sent this today.

It’s primarily the work of the pharmacists.

They want you see how insulin is a focus. They want to show that states are starting to do enforcement to make the insurers/PBMs follow the laws that are written. That’s a big deal because citizens go to a lot of work to pass these laws and then the government has historically really struggled to get anybody in healthcare to follow laws.

That’s what DOJ wants to improve. They want to write a set of rules so that there are actual penalties for lawbreaking that actually deter companies from just breaking the law over and over again. Everybody agrees that’s a big problem.

Diabetics did a lot of work on this across all 50 states. But we didn’t have a ton of luck. What happened was that state’s got dragged into really expensive, time consuming legal battles with the insurers and the drug manufacturers. States tried all sorts of creative strategies. But when those strategies weren’t as effective as they hoped, and it was all soaking up tons of public money and resources, the problems got escalated up to the federal government. The insulin FTC lawsuit is the result of that.

But now the independent pharmacists and the doctors are showing up at a state level. They are having much more success than the diabetics originally had at a state level because there’s been a bunch of foundational work done by diabetics at state levels and it’s all been brought to the attention of the federal government and the agencies.

People in the healthcare community want diabetics to know that they are building on that original work of diabetics and are having more success. They are pointing at this and saying, “Look! The insulin! We are helping you.” They are returning the favor. They get really excited and they want us to see their contributions and how they are helping us. It’s cute how they get excited to help us. They recognize that our community has been taken advantage of and has deeply suffered. They want to make good.

Insulin copay caps are laws that would have been passed by diabetic patients. The pharmacists caught the PBMs sidestepping the laws that diabetic patients implemented. So, we give them a pat on the back for that.

I’m training people in so I can eventually retire from this crap.

When you see work like that coming out of family run pharmacies in Virginia or West Virginia, you think Jeremy Counts. This work somehow has something to do with him. He’s on this podcast a lot where the small business pharmacists have drinks and complain about PBMs. https://www.truthrx.org/pbm-on-the-rocks But he just recently accepted a position as a professional lobbyist for small business, family run pharmacies.

When @allison talks about politics, that’s where we can discuss how “politics” touches things like this. The work doesn’t change at all from administration to administration, because policy initiatives don’t change, but how you talk about the work and how you sell it might shift in subtle ways.

For example, off the record, the DFL has a little sweet spot for patient advocacy. As a party, they are more comfortable on the topic of healthcare. It’s a topic that they feel comfortable selling to their party and voters. The GOP has a sweet spot for small business owners. That’s part of their voting base.

Because I’ve been doing this a long time, when the administration changed, I went to Jeremy and his people, and I said, “I don’t want to hear anything out of you, other than arguments that center around small business (they are small biz pharmacy owners)…at least upfront.” They took that argument when they flew to Washington and delivered it perfectly. They talk to Rep Buddy Carter (who’s a pharmacist originally and can understand what the heck a PBM is). That allows a new party in office to tailor the same old work to a different voter base and make it their own with a flavor that appeals to their party.

Its the exact same work with different marketing. Politics is mostly smoke and mirrors, in my opinion. To me, it’s just marketing. Anything I’m working on is either a “nonpartisan” issue or bipartisan (or, it’s soon to be bipartisan, but it’s not there yet). That’s because legislation that is “partisan,” in that it is supported by only one party, has no resiliency. You probably won’t be able to pass it. It has no staying power. The opposing party comes into office and just immediately overturns it. I don’t waste my time with stuff like that. Policy with integrity and real value can stand up to scrutiny from both parties. That’s what you want.

Most practical problems that people face in day to day life, have nothing to do with partisan politics. If I, as a diabetic, can obtain a legal drivers license is of NO interest to either the Republican party or the Democratic party. It matter a LOT to me, but they are interested in raising money and wining elections. Most policy and practical problems have nothing to do with that, so it’s not of any interest to political partisans. That’s what you want in a policy issue. It should be boring and require a lot of detailed reading. It’s great when you can include math and numbers. That’s stuff you can pass thru legislation. No one will even notice because its so boring. If “Drivers licensing for diabetics,” somehow became a campaign issue, then you are really bad at this stuff. You really messed up bad.

PBM reform and insurance is boring to a fault. It’s so boring and math intensive that politicians really don’t even want to look at it. It’s so boring that you can see that you are causing a senate staffer physical pain when you bring it up. Diabetic’s lives and financial outcomes really depend on how this stuff plays out, but even you all think it’s disinteresting. That’s policy.

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This is a little off topic, but somebody’s people in Indiana are out throwing grenades at the whole concept of provider networks. There’s a paywall on this article, but you can see the headline. Indiana becomes first state to ban insurer penalties for out-of-network hospital care Did u see this, @JessicavGoeler? Could you pull this off in MA? I couldn’t pull that off here. UHG would rain down hell on me personally if I ever tried something like that. They would hunt me like a dog.

That’s interesting. I have no idea how they pulled this off. Impressive move. https://www.youtube.com/watch?v=whevadHNTus

That will create problems and not good ones. Despite all the hoopla prescription medications account for only 8% of the total US medical spending. Traditional doctors and hospitals account for 50% (about half each) and non-traditional providers (e.g. chiropractors, whatever they are) add around 20% to that. Slice it and dice it any way you like most of the cost is the docs and the facilities they operate in.

Provider networks are an insurance company work round but they are very like PBMs; large networks provide to multiple smaller insurers. This allows negotiated prices and, maybe unlike PBMs, it cuts, or maybe cauterizes, both ways. The docs/hospitals get to group together in a network and the insurers get to avoid the impossibility of negotiating doctor-by-doctor.

In other words provider networks are an integral part of the system.

The alternative is HMOs, where the insurance company morphs into a health service provider, a sort of holy union of a PBM and a provider network, and stops doing insurance pretty much full stop. Rather an HMO does healthcare for a group of individuals using fixed assets; a collection of providers and facilities. Somewhat like a traditional hospital.

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I live in the home of the HMO, John. :sweat_smile: Minneapolis invented the HMO.

8% of 20% of the entire U.S. economy (which is what healthcare amounts to now) might not be a small number. Drug price fixing is what we could prove in court.

The doctors are in charge of handling the hospital systems, not us. So I can’t really speak to all the movement there, but a Doctor in CA scheduled a meeting with me yesterday to discuss problems they have identified there and opportunities to handle it.

I would describe what I’m seeing as people pulling on threads of the hospital system because that work builds on the work of the drug pricing cases. It’s only just begun. But the federal agencies have spoken on it for some years now.

One of the threads people want to pull on is the nonprofit status of hospitals. To the best of my understanding, they complain that hospitals can simultaneously declare themselves (on taxes) as “rural and struggling,” and “urban and struggling,” and collect tax benefit from both. The gov gives them money, for instance, in those large downtown hospitals to offset the care they provide for free to the urban homeless population. People complain that they pocket that money and never forgive the debt - the $ never goes to the patients. The hospital pockets it. The doctors say that some hospitals ARE actually struggling and are not cheating the government, but that the government can’t tell which are the ‘good’ ones and which are the ‘bad’ ones. They also complain that doctors aren’t allowed, by law, to own hospitals so it’s just guys from private equity running things. They make some of the same complaints as independent pharmacies, in that independent medical practices are being put out of business through unfair market practices by the large players.

There’s actually very few independent medical practices that still exist today. Many of them are too small to bear the administrative burden of working with insurers. So, they will tend to accept direct cash payments from patients. Patient advocacy organizations HATE that. Why? Because it doesn’t get applied to a pts deductible and the insurer pays nothing for care. So, we essentially pay a lot for insurance and get no benefit from it. Those complaints can be easily handled with legislation and I think there are already a couple bills to make Direct Primary Care (DPC) payments reimbursable through insurance.

I don’t, personally, feel like DPC will ever be an option for diabetics, so I don’t get deep into the weeds on that. But here’s a map that I got from one of their lobbyists. It shows where DPC clinics exist. https://mapper.dpcfrontier.com/

Here’s some DPC doctors discussing problems. The Backdoor. How Medicaid Quietly Swallowed American Healthcare The guy in the middle is their lobbyist - that’s Dutch. They talk briefly about the hospital system. They mention CON (Certificate of Need) laws. They wrote to DOJ about CON laws. Maybe I can find a link to one of those submissions for ya. Here’s one: Regulations.gov . If you search the DOJ’s database, you can find it with the ATR-2025-0001-0053 number. What the heck IS a CON law? https://ij.org/report/striving-for-better-care/what-are-con-laws-and-why-do-con-laws-exist/

How do I handle the doctors? I just encourage them, whatever discussion direction they want to go down. I occasionally inject patient perspective, and they are very supportive of that. They are ALL over the map. They don’t yet really have a perspective, as a community. They come from a wide variety of clinical practices and clinical settings that make their perspectives diverge wildly. Some are small biz owners. Some are only employable only by a large hospital system. Diabetics are much more cohesive as a community. We have a lot more experience, as a community, with advocacy work. We have lots of infrastructure in place for that. I just encourage docs to talk to one another because I think that will help them converge on possible solutions.

My endo tried to start his own clinic and it bit the dust in under 2 years. He says the administrative burdens were so high that he couldn’t practice care. All he did was fight with insurers over payment.

You’ll see people pulling on the strings of how the accounting is done at hospitals. That’s how people generally start fights with the medical system.

I’m sure you have heard me vomit out the position of the federal agencies before. If you write to them and complain that a large hospital system in your town has merged it’s way into a monopoly in your community, they are NOT interested. Why? Because there are too many hospital systems all over the U.S. doing this. They say they don’t have the resources to handle that. It’s even more true now, than when they said it originally, right? Because the tool they built for merger review was taken away by the judiciary. Mergers are super resource intensive for them to handle. They will only handle them if they are among the largest hospitals in the country.

The FTC says that you MUST handle a large hospital merger BEFORE it happens. If you wait until after it happens, and then try to break it up, you can never succeed. Why? Because they will have already sold off all the capital and human resources that originally existed as the skeleton of the market. You will have to rebuild the market from scratch, but you will only have a pile of flesh. That’s bad because you can’t make the market dance again. It’s just a pile of useless mush.

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Here’s a really well known paper on the topic of physician relationship with insurers and hospital systems: Inside UnitedHealth's doctor empire | STAT It is part of a series they did: Health Care's Colossus: Investigative series on UnitedHealth Group It’s not publicly available for free anymore, but it was very influential.

One thing to know about talking to doctors about this stuff is that they can get fired for these conversations. I didn’t understand that upfront. They had to explain that to me.

I never talk publicly with a physician unless they start the conversation with me first. That reveals that they have some sort of financial freedom to have the conversation and that they are safe doing so. You will rarely see a surgeon employed by a large hospital system speak publicly about healthcare finance. They often carry a lot of student debt and if they get fired by a large hospital system, there’s no where else they can be employed as a surgeon, unless they move out of town.

I talk a lot to the DPC physicians because they own their own practices. That allows them more freedom to speak - not unlimited freedom because the system can financially retaliate against them, but they have a lot more autonomy. Over the past 18 months, I viewed DPC doctors as a vipers nest of free speech that I could use to fight with the insurers and hospital systems. The more they spoke openly, the more other doctors who worked in other capacities felt comfortable speaking. In that way, we were able to drum up a bunch of trouble on the physician side. Patients could discuss what advocacy looks like and what sorts of tools and strategies we have used to make progress. Patients advocated for doctors in that way. We modelled what we want them to do for us.

The insurers REALLY don’t like doctors discussing things like this. They will show up and start cracking skulls, so you have be careful. Trying to get the docs to have discussions on this topic is a bit of a fist fight. https://www.youtube.com/watch?v=jrL_LzX5wv4 I just encourage them to just “jump around,’ and explore boundaries. Then I positively reinforce them when they do. The situation is MUCH improved from 18 months ago where none of them would say a peep. But all I’m doing is dropping a match on a pile of kindling and gasoline that already exists, right? It’s very easy and very effective. Now they are actively engaging, to the degree that their finances allow. There’s a bit of a physician shortage and it’s hard for the insurers to exercise adequate control over ALL of them. There are too many.

They are angry and they want to fight with the systems that exercise control over them, but they don’t totally know HOW to do that. They need to find their voices. They are producing a movie. Diabetics did that, way back when. The pharmacists did that. The movie some doctors made will premiere March 19th. https://suckitupbuttercupfilm.com/ That’s how digital advocacy (something that diabetics know a lot about) becomes real life advocacy.

One of the questions you should ask before engaging publicly in conversations like this is, “Can any harm come to me as a result?” You have to consciously evaluate that risk. Can someone fire you for discussing healthcare policy? If you work at a car lot, probably not. If you work in healthcare, that risk is much higher. I reconcile this conflict by telling myself that it is my civil liberty to advocate for myself and that no employer should exercise control over that. It’s not that I have more liberty than the doctors, but I care more about that liberty because of my experiences as a patient.

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Here’s a lobbyist for the small business pharmacists. He talks about drug pricing as it relates to the hospital system (340b), @jbowler https://www.youtube.com/watch?v=q5x9xK2OL68 He has an organization here https://www.46brooklyn.com/ He got hunted by the large insurers. They sopenia-ed (spelling?) every communication he had over the course of a year when they got called into federal court. He laughed about it online, but they were trying to crack skulls. Bricker is posting about this online today because the doctors are interested. https://www.youtube.com/watch?v=UTiHiR6GBwY

Here’s one of our diabetics talking on insulin costs. #1224 Orange Book Chronicles — JUICEBOXPODCAST.com

That should give you a pretty full introduction to the landscape of all the lobbyists who work on this.

Here’s the end of the paper (it’s too long for one post). I’m still working on it. Needs editing. Needs to be less preachy…

Medical Negligence

Let’s perform an evaluation of market performance in real time, using a concrete and recent example that overlaps with the writing of this public comment. The use of recent examples is meant to illustrate that market problems are endemic and ever present in a failed system. While specific problems materialize in unpredictable ways, the presence of constant problems is completely predictable.

An endless blackhole of significant, unsolvable problems for every stakeholder is how we characterize a market as having failed. Please take note of how much work and effort I make to give the system its best chance of succeeding. (See Appendix C for an example of the documentation I prepare for a doctor’s appointment) Note how little I receive in return. The system demands that I attend one doctor’s appointment per year to secure my access to life preserving medications. That appointment cost $400 with a primary care physician. After I meet their request, they just tell me to repeat the process indefinitely until it succeeds.

Example #4. I attempt to get prescriptions written in early 2026

I schedule an appointment with a primary care physician on January 8th, 2026, to secure right to access my medications via a prescription (Rx). I pay them $400. All the provider needs to do is refill the same prescriptions I have had for 15 years. Instead, he fills an Rx for some random insulin. I have never used this insulin before, and it definitely can’t be administered via an insulin pump.

Figure 8. Wrong medication, wrong delivery method prescribed

Glargine is a basal (long acting) insulin, and you can only put bolus (short acting insulin) into a pump. Even if you discard your insulin pump and instead deliver manual injections of insulin via syringe, glargine will not sustain life - that requires prescriptions for BOTH a long-acting insulin (to run 24 hours in the background) and a short acting insulin (for meals). Now, I don’t know what would happen to someone if they administered basal insulin through a pump, but I know enough to not try it. This represents negligence by both the doctor and the pharmacy because it could be super dangerous if a more vulnerable patient received these instructions.

By March 11th, they have still not fulfilled their professional obligations, despite many communications on my end. I lose access to medical supplies, and they recommend I restart my effort from scratch, which I do. At this point, I have already lost my right to access my medical devices, in particular the Dexcom sensor that collects data for any upcoming appointment. I have lost any right to purchase insulin via my insurance policy.

I schedule another appointment for March 25th, the earliest available. Knowing that if I don’t bring a complete data set with me to the appointment, the doctor will have an excuse to simply deny me access, I resort to making an veiled threat to my insurer online. Within 30 minutes, I receive a text message from the pharmacy that my prescriptions have been received from the clinic. It’s not that the medical system CAN’T fulfill its professional responsibilities, it’s that it does not bother. It’s going to get paid either way. It’s ability to perform according to a “competent” professional standard is inconsequential to it. If incompetent care results in an increased public safety risk when I am driving or as a risk to my personal safety, I bear the risk, not the decision makers. That is why risk escalates beyond anything that can be described as ‘practical’ risk or ‘tenable risk’.

References

[1] “Donate to Stand with a Surgeon Facing Retaliation, Organized by Elisabeth Potter.” Gofundme.com, 2025, www.gofundme.com/f/stand-with-a-surgeon-facing-retaliation. Accessed 10 Mar. 2026.

[2] “What Is Nightscout? - Nightscout.” Nightscout.github.io, 2024, https://nightscout.github.io/.

[3] “Tidepool.” Www.tidepool.org, www.tidepool.org/.

[4] “OpenAPS.org#WeAreNotWaiting to Reduce the Burden of Type 1 Diabetes.” OpenAPS, https://openaps.org/.

[5] “DIYPS.org.” DIYPS.org, 9 Dec. 2021, https://diyps.org/. Accessed 10 Mar. 2026.

[6] “XDrip+.” Readthedocs.io, 2025, https://xdrip.readthedocs.io/en/latest/#what-is-xdrip.

[7] “LoopDocs.” Loopkit.github.io, https://loopkit.github.io/loopdocs/.

[8] Aihie, I. (2016). FDA CDRH webinar: A dialogue between the diabetes community and FDA; (). Retrieved from www.fda.gov/downloads/MedicalDevices/NewsEvents/WorkshopsConferences/UCM506113.pdf

[9] Mortensen, Heather. “TechnicalWriting/Medical_Device_Security_Diabetes.pdf at Master · Heathermortensen/TechnicalWriting.” GitHub, 2020, https://github.com/heathermortensen/TechnicalWriting/blob/master/Medical_Device_Security_Diabetes.pdf*

*User must clone the repository using a GitHub account before downloading the paper

[10] Dorin, Michael, et al. “Open Source Medical Device Safety: Loop Artificial Pancreas Case Report.” IEEE, 16 Nov. 2020, pp. 1–4, ieeexplore.ieee.org/document/9296152, Open Source Medical Device Safety: Loop Artificial Pancreas Case Report | IEEE Conference Publication | IEEE Xplore . Accessed 18 Apr. 2025.

[11] G. Moody, “Abbott Laboratories Sends Heavy-Handed Copyright Threat To Shut Down Diabetes Community Tool For Accessing Blood-Sugar Data,” Techdirt, Dec. 18, 2019. https://www.techdirt.com/2019/12/18/abbott-laboratories-sends-heavy-handed-copyright-threat-to-shut-down-diabetes-community-tool-accessing-blood-sugar-data/ (accessed May 12, 2025).

[12] “Breakthrough T1D STATEMENT ON UNITED HEALTHCARE INSULIN PUMP AGREEMENT WITH MEDTRONIC - Breakthrough T1D,” Breakthrough T1D, Aug. 09, 2023. https://www.breakthrought1d.org/for-the-media/press-releases/jdrf-statement-on-united-healthcare-insulin-pump-agreement-with-medtronic/ (accessed Apr. 27, 2025).

[13] Beyond Type 1, “Unitedhealthcare decision — a step backwards for pump access (AGAIN),” TuDiabetes Forum, Feb. 04, 2019. https://forum.tudiabetes.org/t/unitedhealthcare-decision-a-step-backwards-for-pump-access-again/75816 (accessed Apr. 28, 2025).

[14] “About the UnitedHealthcare and Medtronic Relationship Working Together to Support People with Diabetes,” Oct. 2019.*

* Some references may require use of the Wayback Machine in order to access them because the sources are old.

[15] S. Whooley, “Abbott integrates Libre CGM data into Epic EHR workflows,” Drug Delivery Business, Apr. 29, 2025. https://www.drugdeliverybusiness.com/abbott-libre-cgm-data-epic-ehr/ (accessed May 12, 2025).

[16] AHealthcareZ - Healthcare Finance Explained. “United Health Group Acquisition of Change Healthcare… Healthcare Data Goldmine.” YouTube, 25 Sept. 2022, www.youtube.com/watch?v=be4vrnUu9J4. Accessed 10 Mar. 2026.

[17] American Hospital Association. Change Healthcare Cyberattack Underscores Urgent Need to Strengthen Cyber Preparedness for Individual Health Care Organizations and as a Field. Jan. 2025, www.aha.org/system/files/media/file/2025/02/Change-Healthcare-Cyberattack-Underscores-Urgent-Need-to-Strengthen-Cyber-Preparedness.pdf. Accessed 10 Mar. 2026.

[18] LINK TO AUDITORS REPORT

[18] Jeter, Lisa. “State and Territory Attorneys General Call on Congress to Prohibit Pharmacy Benefit Managers from Owning or Operating Pharmacies - National Association of Attorneys General.” National Association of Attorneys General, 14 Apr. 2025, www.naag.org/press-releases/state-and-territory-attorneys-general-call-on-congress-to-prohibit-pharmacy-benefit-managers-from-owning-or-operating-pharmacies/.

[19] HEALTHCARE IS THE ONLY INDUSTRY HIRING https://www.nytimes.com/2026/03/06/business/economy/health-care-hiring-labor-market.html

[20] Cigna acquires CarepathRx, a major pharmacy used by hospitals | STAT

[21] https://www.juiceboxpodcast.com/episodes/jbp1224

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Maybe this helps the government and maybe it doesn’t, but I might feel ‘better’ as a diabetic, at least having had the opportunity to air some grievances. There are, of course, many more. But they limited me to 18 pages this time.

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