[{"data":1,"prerenderedAt":951},["ShallowReactive",2],{"project-24309237":3},{"id":4,"name":5,"line":5,"line_source":6,"title":7,"url":8,"domain":9,"maker":10,"posted_at":11,"year":12,"points":13,"comments":14,"rank_in_year":15,"shown_in_year":16,"top":17,"tier":18,"category":19,"subcategory":20,"format":21,"keywords":22,"reception":27,"sentiment":28,"stance_mix":29,"scored_comments":34,"aspects":35,"strip":43,"post_text":45,"what":46,"said":77,"maker_in_thread":151,"shape":162,"grid":166,"attempts":909,"same_week":914,"maker_shows":37,"maker_hidden":943,"reader_version":944,"card":945},"24309237","Healthcare Is Dumb","title","Show HN: Healthcare Is Dumb","https:\u002F\u002Fhealthcareisdumb.com\u002F","healthcareisdumb.com","antcas",1598644490,2020,441,283,66,3028,3,"legend","web_saas","health insurance comparison","web_app",[23,24,25,26],"student health insurance","cheap health insurance","university health plan","health insurance hack","curious",0.012,{"positive":30,"neutral":31,"mixed":32,"critical":33},6,20,1,7,34,{"pricing":36,"idea":38,"execution":40,"docs":42},{"positive":32,"critical":37},2,{"positive":39,"critical":32},5,{"positive":41,"critical":17},0,{"positive":41,"critical":32},[41,41,41,41,41,41,41,41,41,41,41,41,17,17,41,41,41,41,41,41,41,41,41,41,41,41,17,17,32,44,37,41,41,39,17,17,39,37,37,37],4,null,{"problem":47,"audience":57,"pricing":45,"motivation":69,"time_to_build":45,"stack":74,"openness":75,"stage":76,"team_size":75},{"value":48,"source":49,"evidence":50},"Expensive individual health insurance in the US; students can get cheaper coverage via university plans","maker",[51,54],{"id":52,"by":10,"text":53},"24309283","I built a spreadsheet showing how many credits you have to take at a school to qualify for their health insurance plan. In many states, the cost of taking the class + health…",{"id":55,"by":10,"text":56},"24309297","In the ideal world this loophole would be made irrelevant by universal healthcare. Realistically the minimum credit hour requirements might be increased at some schools, but…",{"value":58,"source":59,"evidence":60},"Americans needing cheap health insurance, especially self-employed or between jobs","inferred",[61,65],{"id":62,"by":63,"text":64},"24311995","godzillabrennus","Before my father qualified for Medicare he figured out this hack. He has a severe chronic condition. Health insurance for him as a self employed person at the time was $4k\u002Fmonth…",{"id":66,"by":67,"text":68},"24309446","didip","OP actually confirms my long term suspicion. Thanks! For the longest time, one of my early retirement plan is to simply go back to school, learn everything that excites me and…",{"value":70,"source":59,"evidence":71},"Show how cheap university health plans can be an insurance workaround",[72,73],{"id":52,"by":10,"text":53},{"id":55,"by":10,"text":56},[],"unknown","launched",{"praise":78,"objections":95,"requests":120,"questions":128,"alternatives":136},[79],{"value":80,"source":81,"evidence":82},"Clever loophole that exposes healthcare costs","commenter",[83,87,91],{"id":84,"by":85,"text":86},"24309274","jimbokun","That...is actually kind of clever. Wonder how long before these loopholes get shut down.",{"id":88,"by":89,"text":90},"24310016","padseeker","this is kinda brilliant.",{"id":92,"by":93,"text":94},"24309327","sharps_xp","Where can I find more stories like this where someone who has a familiarity with a system finds some form of leverage that is often overlooked? stuff like this excites me",[96,102,113],{"value":97,"source":49,"evidence":98},"Students must stay enrolled; coverage ends when they leave school",[99],{"id":100,"by":10,"text":101},"24309357","You don't have to pass the class you just can't get kicked out of the school. One BIG caveat with these plans is that coverage ends if you leave school. That's how the insurers…",{"value":103,"source":81,"evidence":104},"Data may be inaccurate, e.g. marginal vs average cost per credit",[105,109],{"id":106,"by":107,"text":108},"24309966","sacred_numbers","The data here may not be totally accurate, but the sentiment is right. For my local school it's showing the marginal cost of the first credit hour, but the average cost per…",{"id":110,"by":111,"text":112},"24309397","psim1","I might be misunderstanding this chart, but it appears the author is saying that by enrolling for the minimum number of credits, you will receive the associated insurance for…",{"value":114,"source":81,"evidence":115},"Coursework time cost and academic probation risk",[116],{"id":117,"by":118,"text":119},"24309281","finaliteration","While I think this project and the data are interesting, one thing that becomes problematic is that you actually DO have to invest time in whatever courses you register for at…",[121],{"value":122,"source":59,"evidence":123},"Add schools and plan details, including cost per credit correction",[124,125],{"id":106,"by":107,"text":108},{"id":126,"by":10,"text":127},"24309460","Okay you were right, should be fixed now, thanks! Now the tuition is doubled. The insurance premium stays the same though because that's already the annual rate.",[129],{"value":130,"source":81,"evidence":131},"Do out-of-state students qualify for these plans?",[132],{"id":133,"by":134,"text":135},"24311790","fblp","Are you eligible for health insurance with these universities if you live out of state?",[137,144],{"value":138,"source":81,"evidence":139},"COBRA",[140],{"id":141,"by":142,"text":143},"24309628","rajangdavis","The monthly cost for health insurance through using Cal Maritime ($627) is more than what I spent for health insurance for a single person via COBRA ($494.36) in California from…",{"value":145,"source":81,"evidence":146},"ACA marketplace plans",[147],{"id":148,"by":149,"text":150},"24309765","legitster","Looking at the first plan on the list, Auburn: https:\u002F\u002Fwww.uhcsr.com\u002Fuhcsrbrochures\u002FPublic\u002FBenefitSummaryFlyers\u002F2020-38-1%20Summary%20Brochure.pdf On first blush, this looks like…",{"comments":152,"answered":153,"key":154},22,8,[155,156,159],{"id":52,"text":53},{"id":157,"text":158},"24309412","Both the school and the insurer would make a bunch more money in the short-term. Might bite the insurer's in the long term if a bunch of sick people sign up, but very sick people…",{"id":160,"text":161},"24309610","This is part of it, however there's positive price pressure from \"anti-selection\". Basically healthy young students are more likely to already be insured or be on their parents…",{"commenters":163,"max_depth":164,"maker_replies":152,"first_comment_mins":44,"lifespan_hours":165},171,9,136,[167,169,172,176,179,182,185,188,190,193,196,199,202,205,208,211,214,217,219,222,224,227,230,233,236,239,241,244,247,249,251,254,257,260,263,266,268,270,273,275,278,282,284,286,289,291,293,296,299,301,303,306,308,310,313,315,317,319,322,324,327,329,332,335,338,341,343,346,348,351,353,356,359,362,365,368,371,374,377,380,383,386,389,392,395,398,400,403,404,407,408,411,414,417,419,423,427,430,433,436,439,442,444,446,449,452,455,458,461,463,466,469,471,474,477,480,483,486,488,491,494,497,500,502,504,507,509,512,514,517,519,521,523,526,529,531,533,535,538,541,544,546,549,552,555,558,561,564,566,568,571,574,576,579,582,585,587,590,593,596,599,601,603,605,607,609,611,614,617,619,622,624,626,629,632,634,637,640,643,645,648,651,653,656,658,661,663,665,668,669,671,674,676,679,681,683,686,688,690,693,696,698,700,704,707,709,711,713,715,717,719,721,725,728,730,732,735,737,738,742,744,747,750,752,755,758,760,762,765,768,770,773,777,780,782,786,789,792,795,798,800,802,805,808,811,812,815,817,820,823,825,827,829,831,833,835,836,838,840,842,845,849,852,855,858,860,862,864,867,870,874,876,879,881,883,885,890,892,895,899,901,904,907],[62,41,41,168,63,41],"other\u002Fneutral\u002Fnone",[170,41,41,168,171,41],"24312099","thayne",[173,41,41,174,175,41],"24312507","commenter\u002Fneutral\u002Fnone","sukilot",[177,41,41,174,178,41],"24313283","tonyhb",[180,41,41,174,181,41],"24313291","defnotashton2",[183,41,41,174,184,41],"24313404","judge2020",[186,41,41,174,187,41],"24313346","gnicholas",[189,41,41,174,184,41],"24313395",[191,41,41,168,192,41],"24313770","culturestate",[194,41,41,168,195,41],"24313901","chongli",[197,41,41,168,198,41],"24314661","robocat",[200,41,41,174,201,41],"24315663","lotsofpulp",[203,41,41,174,204,41],"24315814","zaroth",[206,41,41,168,207,41],"24315235","Broken_Hippo",[209,41,41,168,210,41],"24315808","indymike",[212,41,41,168,213,41],"24317163","fires10",[215,41,41,168,216,41],"24316826","runamok",[218,41,41,174,171,41],"24323886",[220,41,41,174,221,41],"24313484","takeda",[223,41,41,174,171,41],"24314563",[225,41,41,174,226,41],"24314634","Lio",[228,41,41,168,229,41],"24313811","capdeck",[231,41,41,174,232,41],"24315129","TheOtherHobbes",[234,41,41,174,235,41],"24315456","username90",[237,41,41,174,238,41],"24315633","oblio",[240,41,41,174,235,41],"24315677",[242,41,41,174,243,41],"24315704","nogabebop23",[245,41,41,174,246,41],"24319261","agensaequivocum",[248,41,41,174,238,41],"24323111",[250,41,41,174,243,41],"24315687",[252,41,41,174,253,41],"24319605","Taek",[255,41,41,174,256,41],"24323613","ianlevesque",[258,41,41,174,259,41],"24336340","kshacker",[261,41,41,168,262,41],"24315733","brightball",[264,41,41,168,265,41],"24316624","devonkim",[267,41,41,168,262,41],"24317584",[269,41,41,168,265,41],"24318670",[271,41,41,174,272,41],"24318693","AtlasBarfed",[274,41,41,174,262,41],"24318722",[276,41,41,168,277,41],"24319614","gumby",[279,41,41,280,281,41],"24315247","other\u002Fcritical\u002Fpricing","m0zg",[283,41,41,280,265,41],"24319749",[285,41,41,168,63,41],"24348346",[287,41,41,174,288,41],"24312358","perl4ever",[290,41,41,174,175,41],"24312514",[292,41,41,174,288,41],"24312753",[294,41,41,174,295,41],"24312813","rxhernandez",[297,41,41,298,288,41],"24312869","other\u002Fneutral\u002Fpricing",[300,41,41,298,201,41],"24315732",[302,41,41,174,201,41],"24315720",[304,41,41,298,305,41],"24312541","guidoism",[307,41,41,174,288,41],"24312974",[309,41,41,174,221,41],"24313572",[311,41,41,168,312,41],"24312651","DangitBobby",[314,41,41,174,288,41],"24312893",[316,41,41,174,312,41],"24313985",[318,41,41,168,221,41],"24313559",[320,41,41,298,321,41],"24315249","Retric",[323,41,41,168,221,41],"24313603",[325,41,41,298,326,41],"24314895","gwd",[328,41,41,174,221,41],"24332713",[330,41,41,174,331,41],"24316355","sgerenser",[333,32,41,168,334,41],"24309718","supernova87a",[336,32,41,168,337,41],"24309742","MattGaiser",[339,32,41,168,340,41],"24310444","dutchmartin",[342,32,41,168,337,41],"24312383",[344,32,41,168,345,41],"24310513","pbronez",[347,32,41,168,345,41],"24310958",[349,32,41,168,350,41],"24312410","pbreit",[352,32,41,174,337,41],"24313532",[354,32,41,168,355,41],"24313225","trav4225",[357,32,41,168,358,41],"24313274","techolic",[360,32,41,168,361,41],"24309819","brundolf",[363,32,41,168,364,41],"24310728","Metacelsus",[366,32,41,168,367,41],"24309843","rossdavidh",[369,32,41,168,370,41],"24311000","amirkdv",[372,32,41,168,373,41],"24311024","rosstex",[375,32,41,168,376,41],"24311461","pkghost",[378,32,41,168,379,41],"24311682","roenxi",[381,32,41,174,382,41],"24311815","adamsea",[384,32,41,168,385,41],"24311867","cma",[387,32,41,174,388,41],"24313006","jcranmer",[390,32,41,174,391,41],"24313055","pessimizer",[393,32,41,168,394,41],"24311733","dustingetz",[396,32,41,168,397,41],"24313516","jrockway",[52,37,41,399,10,32],"project\u002Fneutral\u002Fpricing",[401,37,17,399,402,41],"24309386","deegles",[157,37,41,399,10,32],[405,37,17,399,406,41],"24309434","alanbernstein",[160,37,41,399,10,32],[409,37,41,174,410,41],"24309696","IshKebab",[412,37,41,298,413,41],"24309520","vonmoltke",[415,37,17,399,416,41],"24309603","pitaa",[418,37,41,174,402,41],"24313220",[420,37,17,421,422,41],"24311570","maker\u002Fneutral\u002Fnone","supahfly_remix",[424,37,17,425,426,41],"24311628","project\u002Fneutral\u002Fnone","searchableguy",[428,17,41,298,429,41],"24309295","jamestimmins",[431,17,41,298,432,41],"24309322","nostromo",[434,17,41,298,435,41],"24309376","bfrog",[437,17,41,174,438,41],"24309512","treis",[440,17,41,174,441,41],"24309617","garmaine",[443,17,41,298,201,41],"24309793",[445,17,41,399,10,32],"24309399",[447,17,41,448,10,32],"24309334","project\u002Fneutral\u002Fidea",[450,17,41,298,451,41],"24309364","war1025",[453,17,41,298,454,41],"24309513","koolba",[456,17,41,298,457,41],"24309692","zrail",[459,17,41,174,460,41],"24311028","zbrozek",[462,17,41,174,457,41],"24311261",[464,17,41,174,465,41],"24311714","jermaustin1",[467,17,41,174,468,41],"24309548","hooande",[470,17,41,174,441,41],"24309592",[472,17,41,174,473,41],"24309608","runako",[475,17,41,174,476,41],"24309734","NationalPark",[478,17,41,298,479,41],"24309569","coding123",[481,17,41,298,482,41],"24309645","javajosh",[484,17,41,174,485,41],"24311212","Red_Leaves_Flyy",[487,17,41,298,201,41],"24309665",[489,17,41,298,490,41],"24309666","iagovar",[492,17,41,298,493,41],"24310086","nickjj",[495,17,41,174,496,41],"24309402","TuringNYC",[498,17,41,174,499,41],"24309523","oneplane",[501,17,41,174,496,41],"24310031",[503,17,41,168,499,41],"24310287",[505,17,41,168,506,41],"24309516","nicoburns",[508,17,41,174,441,41],"24309568",[510,17,41,174,511,41],"24309920","maxerickson",[513,17,41,174,441,41],"24310043",[515,17,41,174,516,41],"24310322","gnopgnip",[518,17,41,174,441,41],"24311486",[520,17,41,174,331,41],"24312037",[522,17,41,174,441,41],"24312210",[524,17,41,168,525,41],"24309587","bhupy",[527,17,41,168,528,41],"24309611","tyoma",[530,17,41,168,525,41],"24309747",[532,17,41,174,175,41],"24312546",[534,17,41,174,525,41],"24312653",[536,17,41,168,537,41],"24310415","nicoffeine",[539,17,41,168,540,41],"24310580","cortesoft",[542,17,41,168,543,41],"24311066","SL61",[545,17,41,168,485,41],"24311111",[547,17,41,168,548,41],"24313827","newen",[550,17,41,168,551,41],"24311370","bluquark",[553,17,41,168,554,41],"24311403","coredog64",[556,17,41,168,557,41],"24311756","viraptor",[559,17,41,174,560,41],"24310748","silvestrov",[562,17,41,174,563,41],"24310901","Spivak",[565,17,41,174,391,41],"24313114",[567,17,41,168,537,41],"24311051",[569,17,41,168,570,41],"24313357","kelnos",[572,17,41,168,573,41],"24311336","jdeibele",[575,17,41,168,175,41],"24312535",[577,17,41,168,578,41],"24312932","noelsusman",[580,17,41,174,581,41],"24314355","saxonww",[583,17,41,174,584,41],"24315965","NikolaeVarius",[586,17,41,174,578,41],"24333244",[588,17,41,168,589,41],"24314906","asdff",[591,17,41,168,592,41],"24309934","CraigJPerry",[594,17,41,168,595,41],"24309977","notJim",[597,17,41,168,598,41],"24310505","BeetleB",[600,17,41,168,525,41],"24310628",[602,17,41,174,592,41],"24310945",[604,17,41,168,525,41],"24311070",[606,17,41,168,598,41],"24311591",[608,17,41,168,525,41],"24316502",[610,17,41,168,595,41],"24311167",[612,17,41,168,613,41],"24315444","IG_Semmelweiss",[615,17,41,168,616,41],"24312010","laurencerowe",[618,17,41,168,570,41],"24313373",[620,17,41,168,621,41],"24313533","Gibbon1",[623,17,41,168,525,41],"24316885",[625,17,41,168,570,41],"24362992",[627,17,41,174,628,41],"24315241","IanCal",[630,17,41,168,631,41],"24309990","excalibur",[633,17,41,168,506,41],"24310053",[635,17,41,168,636,41],"24311084","anadem",[638,17,41,168,639,41],"24311636","bb123",[641,17,41,168,642,41],"24311727","alistairSH",[644,17,41,168,288,41],"24312440",[646,17,41,168,647,41],"24315416","GordonS",[649,17,41,168,650,41],"24309599","asdasfasdfasdf",[652,17,41,168,331,41],"24316181",[654,17,41,168,655,41],"24309887","MrFantastic",[657,17,41,168,511,41],"24309949",[659,17,41,168,660,41],"24312279","mariojv",[662,17,41,174,511,41],"24312314",[664,17,41,168,595,41],"24310013",[666,17,41,168,667,41],"24312573","SilasX",[117,44,17,448,118,41],[670,44,41,448,10,32],"24309385",[672,44,41,168,673,41],"24309452","ethbro",[675,44,17,448,406,41],"24309442",[677,44,17,448,678,41],"24309615","nip180",[680,44,17,448,367,41],"24309867",[682,44,17,448,589,41],"24314923",[684,39,41,168,685,41],"24309773","dusted",[687,39,41,168,10,32],"24309814",[689,39,41,168,367,41],"24309883",[691,39,41,168,692,41],"24309946","RandallBrown",[694,39,41,168,695,41],"24310297","CogitoCogito",[697,39,41,168,391,41],"24313147",[106,30,17,699,107,41],"project\u002Fmixed\u002Fpricing",[701,30,32,702,703,41],"24311679","project\u002Fcritical\u002Fexecution","Supermancho",[705,30,41,168,706,41],"24321426","exikyut",[708,30,41,168,703,41],"24336583",[710,33,17,448,432,41],"24309300",[712,33,41,448,10,32],"24309329",[148,153,39,714,149,41],"project\u002Fpositive\u002Fpricing",[716,153,41,425,10,32],"24309805",[718,153,41,174,201,41],"24309827",[66,164,39,720,67,41],"project\u002Fpositive\u002Fidea",[722,723,32,702,724,41],"24309298",10,"peter_1233",[726,723,41,727,10,32],"24309323","project\u002Fneutral\u002Fexecution",[729,723,17,727,118,41],"24309339",[731,723,41,421,10,32],"24309419",[733,723,17,727,734,41],"24309426","adrianmonk",[736,723,32,702,724,41],"24309359",[126,723,41,727,10,32],[739,740,41,168,741,41],"24309445",11,"marvinblum",[743,740,41,168,10,32],"24309464",[745,740,41,168,746,41],"24309505","davidw",[748,740,41,168,749,41],"24309518","CincinnatiMan",[751,740,41,168,499,41],"24309544",[753,740,41,168,754,41],"24309694","est31",[756,740,41,168,757,41],"24315255","kid_atticus",[759,740,41,168,499,41],"24309536",[761,740,41,168,413,41],"24311698",[763,740,41,168,764,41],"24311785","1f60c",[766,740,41,168,767,41],"24310275","benibela",[769,740,41,168,754,41],"24310429",[771,740,41,168,772,41],"24312937","jugg1es",[774,775,41,168,776,41],"24311206",12,"burnte",[778,775,41,168,779,41],"24312920","sk5t",[781,775,41,168,776,41],"24326058",[783,784,41,168,785,41],"24311451",13,"LordHeini",[787,784,41,168,788,41],"24311845","TeMPOraL",[790,784,41,168,791,41],"24312175","Tade0",[793,784,41,168,794,41],"24332196","MH15",[796,784,41,168,797,41],"24336110","kiliantics",[92,799,39,720,93,41],14,[801,799,41,168,10,32],"24309340",[803,799,41,168,804,41],"24309662","VikingCoder",[806,799,41,168,807,41],"24321121","quickthrower2",[809,810,17,448,734,41],"24309328",15,[100,810,41,448,10,32],[813,810,41,174,814,41],"24309433","jjoonathan",[816,810,41,174,10,32],"24309466",[818,810,41,174,819,41],"24309556","Skunkleton",[821,810,41,174,822,41],"24309654","kube-system",[824,810,41,174,814,41],"24317703",[826,810,41,174,822,41],"24323677",[828,810,41,174,814,41],"24327895",[830,810,41,174,822,41],"24328594",[832,810,17,448,548,41],"24313949",[84,834,39,720,85,41],16,[55,834,41,448,10,32],[837,834,41,174,201,41],"24309882",[839,834,41,174,548,41],"24313958",[841,834,41,174,201,41],"24314767",[843,834,39,720,844,41],"24309815","kyuudou",[846,847,41,168,848,41],"24312947",17,"abeppu",[850,847,41,168,851,41],"24313475","desdiv",[853,854,17,399,413,41],"24309546",18,[856,854,41,857,10,32],"24309623","project\u002Fneutral\u002Fdocs",[133,859,17,425,134,41],19,[141,31,32,861,142,41],"project\u002Fcritical\u002Fpricing",[863,31,41,425,10,32],"24309828",[865,866,41,168,807,41],"24321074",21,[868,152,17,448,869,41],"24313984","29athrowaway",[871,872,17,448,873,41],"24309413",23,"xenonite",[875,872,41,448,10,32],"24309432",[110,877,32,878,111,41],24,"project\u002Fcritical\u002Fdocs",[880,877,41,857,10,32],"24309404",[882,877,17,857,111,41],"24309437",[884,877,41,857,10,32],"24309642",[886,887,32,888,889,41],"24310706",25,"project\u002Fcritical\u002Fidea","rexelhoff",[88,891,39,720,89,41],26,[893,894,32,861,764,41],"24311725",27,[896,897,41,168,898,41],"24309635",28,"pkaye",[900,897,41,174,367,41],"24309901",[902,897,41,168,903,41],"24310470","Rebelgecko",[905,897,41,174,906,41],"24312022","dmcginty",[908,897,41,174,898,41],"24317678",[910,913],{"id":911,"t":912,"points":153,"comments":41},"24237600",1598034932,{"id":4,"t":11,"points":13,"comments":14},[915,920,925,929,934,939],{"id":916,"name":917,"points":918,"category":919},"24323589","WebRTC for the Curious",667,"learning_science",{"id":921,"name":922,"points":923,"category":924},"24304623","vscode-debug-visualizer",509,"dev_tools",{"id":926,"name":927,"points":928,"category":924},"24323378","Vimac",375,{"id":930,"name":931,"points":932,"category":933},"24305834","pantel.is",285,"games",{"id":935,"name":936,"points":937,"category":938},"24294397","Muse",266,"productivity",{"id":940,"name":941,"points":942,"category":919},"24332303","ML From Scratch",259,false,"v2",{"id":946,"name":5,"line":5,"ai":943,"cat":19,"year":12,"points":13,"comments":14,"rec":27,"s":947,"top":17,"kw":948,"maker":10,"domain":9,"tier":18,"attempts":37,"strip":949,"url":8,"mix":950,"praise":80,"objection":97,"sub":20},24309237,0.01,[23,24,25,26],"0000000000003300000000000033142005335222",[30,31,32,33],1794036595335]