ONLY IN AMERICA –
July 22, 2026 – This is how the denial of care business model works: The commercial health insurance float is the cash a company holds onto during the time gap between collecting premium payments from customers, denying medical care and actually paying out medical claims to healthcare providers. . Insurers are highly motivated to artificially widen the gap between receiving a premium and paying a doctor. The industry uses an arsenal of chaotic administrative barriers and lengthy review processes to slow down reimbursements while patients in need wait for medical care. On a hospital’s balance sheet, this delayed money sits as accounts receivable, but on the commercial insurer’s balance sheet, it remains part of the float while generating millions of dollars in interest before it is paid out — if ever. The delay allows commercial health insurance companies to invest this cash — frequently into securities, bonds, real estate, private equity and other investments — and increase profits, while patients struggle and suffer.
In addition to prior authorization, here are just a handful of the many denial of care tools used by the industry:..
