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In a nutshell, the more sick people and the fewer healthy people a private for-profit insurer attracts, the less competitive that insurer becomes relative to other insurers that don’t attract as high a percentage of the sick but a higher percentage of the healthy.

If insurers had no idea who’d be sick and who’d be healthy when they sign up for insurance (and keep them insured at the same price even after they become sick), this wouldn’t be a problem. But they do know — and they’re developing more and more sophisticated ways of finding out.

Health insurers spend lots of time, effort and money trying to attract people who have high odds of staying healthy (the young and the fit) while doing whatever they can to fend off those who have high odds of getting sick (the older, infirm and the unfit).

The old adage about leaving your emotions at the door before stepping into the office is dead, according to a recent study from the University of Bonn. Published in the Journal of Organizational Behavior in November 2014, the study showed individuals who displayed emotional intelligence—the ability to discern other people’s emotions—were more likely to bring home a bigger paycheck than their emotionally-stunted colleagues.

How The E-Commerce Gag "Ship Your

"Emotional intelligence is the ability for people to be able to recognize emotions in oneself and others,"

"Next time you see a TV commercial for a prescription drug, remind yourself that you know nothing about medical treatment and that everybody who made the commercial has a financial interest in your future behavior." —Eric Horowitz, Psychology Today, How Pharmaceutical Ads Distort Healthcare Markets

"According to Kantar Media, a firm that tracks multimedia advertising, 771,368 such ads were shown in 2016, the last full year for which data is (sic) available, an increase of almost 65 percent over 2012."

What catches my ears is the way in which drug presentations are made, often beginning with a personal story about someone suffering from a specific disease and how a particular drug helped them along. All well and good, until we learn that the players are usually fake patients called "actor portrayals" and fake doctors, often referred to as "actor portrayals" or "doctor dramatizations." After learning what a drug might be good for, the ads consist of rapid staccato-like talk about possible side-effects and lists in tiny text that are virtually impossible to read.