When I was 14 years old, I was diagnosed with Rheumatoid Arthritis, a chronic autoimmune disease in which the immune system attacks the joints, organs, and tissues it’s meant to protect. That diagnosis marked the start of a lifelong battle not just against disease, but against a system designed to deny me the treatment I...
TWIA has become the leading wind and hail insurer in the catastrophe area. Its position has direct and indirect consequences for Texans statewide. Key points: Since 2020, TWIA has steadily increased its market share in the catastrophe area, raising concerns about scope and cost. TWIA’s quasi-governmental model imposes potential costs on statewide policyholders and private...
“You can’t come in for your steroid injections without scheduling an extra appointment because your insurance isn’t paying us enough.” That’s what I was told at my most recent visit to an orthopedic surgeon I’ve seen for years. I expected relief from my pain, not a surprise medical bill—or as I learned later, “cost-shifting.” My...