Juan Brignardello Vela
Juan Brignardello Vela, asesor de seguros, se especializa en brindar asesoramiento y gestión comercial en el ámbito de seguros y reclamaciones por siniestros para destacadas empresas en el mercado peruano e internacional.
The recent murder of Brian Thompson, CEO of UnitedHealthcare, has triggered a wave of concern and debate about the state of the health insurance industry in the United States. This tragic event has highlighted the inherent tensions in a sector that, according to many critics, prioritizes profits over patient welfare. The reflection on the practices of these companies has gained new relevance, especially in light of the experiences of those who have worked in the industry, such as Wendell Potter, former Vice President of Communications at Cigna. Potter, who left his position after a crisis of conscience, has shared his insights on the transformation of the health insurance system over the past few decades. In his accounts, he emphasizes how the "consumerism" strategy was introduced to shift the costs of healthcare onto consumers, at a time when most Americans were dealing with relatively low deductibles and copayments. However, this strategy has led to a greater financial burden for those already facing economic difficulties, leaving millions with insurance insufficient to cover their health needs. Potter's experience at a free clinic in Virginia confronted him with the harsh reality: many insured individuals were forced to seek care under precarious conditions due to a lack of resources to cover their out-of-pocket expenses. This situation not only represents a failure in the insurance system but also reveals a profound disconnect between the policies of insurers and the actual needs of patients. Thompson's murder has reignited the debate about the role of insurers in access to healthcare. Potter recalls how the constant pressure from investors had led companies to reduce the money allocated for healthcare, a trend that has continued even after the implementation of the Affordable Care Act. According to his observations, insurers have not only increased the cost of plans but have also made access barriers harder to overcome, particularly affecting families with financial limitations. Prior authorization policies and the denial of necessary treatments have become common practices in the industry. This has resulted in patients and doctors facing a bureaucratic maze that can discourage appropriate treatment. While Potter acknowledges that not all problems in the healthcare system can be attributed to insurers, he emphasizes that a significant portion of them can be, as profit priorities often overshadow the mission of caring for patients. One of the pivotal moments in Potter's career was Cigna's refusal to cover treatment for Nataline Sarkisyan, a young woman with leukemia. Despite the media attention the case generated and the eventual reversal of the insurer's decision, the story had a tragic outcome. Sarkisyan's death left an indelible mark on Potter, who felt unable to continue defending a system that was ultimately harming patients. Since leaving Cigna, Potter has worked to amplify the voices of those affected by this system, raising awareness about the need for reform in the health insurance industry. His efforts focus not only on changing public perception but also on pressuring lawmakers to implement policies that prioritize patient care over corporate profits. The case of Thompson and Potter's experiences underscore the urgency for a change in how health insurance is designed and managed. The pressure for financial results should not be the primary driver of decisions in this sector; instead, the welfare of patients and equitable access to healthcare should take precedence. As the conversation about ethics in the healthcare sector gains momentum, it becomes evident that the insurance industry needs a reevaluation of its priorities. It is essential that healthcare is once again viewed as a matter of human rights and not merely a consumer product. The death of Brian Thompson could serve as a catalyst for necessary change, but true transformation will depend on the collective will of society to demand a more just and accessible system for all.