Those with health insurance are overinsured and their behavior is distorted by moral hazard. Those without health insurance use their own money to make decisions based on an assessment of their needs. The insured are wasteful. The uninsured are prudent. So what's the solution? Make the insured a little more like the uninsured.
Malcolm GladwellI worry that track is going to enter into an impossibly complicated stage, where our understanding of the complexities of human physiology - and our ability to accentuate and exploit them - is going to make the notion of pure competition impossible.
Malcolm GladwellLiving a long life, the conventional wisdom at the time said, depended to a great extent on who we were-that is, our genes. It depended on the decisions we made-on what we chose to eat, and how much we chose to exercise, and how effectively we were treated by the medical system. No one was used to thinking about health in terms of community.
Malcolm GladwellThe iPod is clearly a tipping point (and I'm not quite sure it is a wholly positive development), because it is a revolution in the way that we consume creative property, which I would call art. It has radically changed the relationship between the artist and the audience, how money changes hands, and how much money changes hands. Music was the first, and books are coming next. The Kindle or some form of electronic book is clearly inevitable, and it will massively reshape how books are sold, who pays for them, and how they're consumed. It is going to be really fascinating.
Malcolm GladwellWhen the students were asked to identify their race on a pretest questionnaire, that simple act was sufficient to prime them with all the negative stereotypes associated with African Americans and academic achievement. If a white student from a prestigious private high school gets a higher SAT score than a black student from an inner-city school, is it because sheโs truly a better student, or is it because to be white and to attend a prestigious high school is to be constantly primed with the idea of โsmartโ?
Malcolm Gladwell