Healthcare insurers are about to face the accrual equivalent of a bank deposit run. (https://www.marketwatch.com/story/medicare-advantage-patients-who-get-diagnosed-with-alzheimers-or-other-serious-diseases-are-ditching-their-plans-and-it-can-cost-them-b5c42717?mod=mw_rss_topstories) after diagnosis isn't a membership churn issue — it's an adverse selection bomb.

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