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There is no good capitalism in the health insurance field. Every dollar of revenue that goes to the insurer is a dollar not going to patient care. Best case you're a friendly parasitic middleman.

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must not have been clear then. what's bad about a site you can log in to and share your information so that it helps others? and provides you with information and data that allows you to make better, more well-informed decisions for you and your loved ones? that's absolutely good by any rational standard, no question about it.

As a user, there is zero chance I'd be comfortable with uploading detailed health information about myself anywhere. That's just too sensitive and personal to share.

I'm also not convinced that such a database of information would be terribly useful, at least in the US. Although I don't know, I'm totally open to being corrected here.

What decisions would I be able to change based on it?

I think you're well intentioned and I appreciate that, but the biggest problems with health insurance/healthcare in the US are so well entrenched I don't think it can be fixed short of tearing it down and rebuilding. My suggestion would be to reach out to a law firm you trust and go over your ideas to see if they'd be viable.

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