Using Catalyst as framework for Moral Healthcare Chapter 1: Reactance

[These blog entries are my notes and takeaways from Jonah Berger’s amazing book, The Catalyst as I apply them to Universal Healthcare.]

The Need for Freedom and Autonomy

Berger, Jonah. The Catalyst: How to Change Anyone’s Mind (p. 20). Simon & Schuster. Kindle Edition.

Example 1: anti-smoking campaign based on telling teenagers not to smoke backfired. Same with the tide pod ad campaign with Grabowski. Simply telling people does not work. They push back-reactance.

What does work is amplifying freedom and autonomy. He uses the example of a nursing home where residents get more choice in their living arrangements and activities.

HCR Lessons:

Telling people that single-payer or some other solution is the correct answer will not work. It creates reactance. For me, I have thought for more than a decade that the solution is to provide people with memorable examples of excellent healthcare in other nations. This is based on the prospect theory ideas of recency and availability. Currently, when people are engaged about universal healthcare, recency and availability leads them to think of long wait times and rationed care. That is no accident. Conservatives have spent years and tons of money making it that way. They have a few choice anecdotes about sad stories of individuals in Canada or the UK and they can trot them out endlessly. They never get old, they reinforce what conservatives have been reinforcing for decades and so positions harden, rather than soften when we present examples of good care and other nations.

We have not done the groundwork to make the excellent care available in other nations recent and available. We need to do a lot of work showing how the choice is not between healthcare in a Soviet Gulag and the current mess we have now, rather it is between the current mess we have now and universal, simple, and affordable healthcare without wait times without the hassles and far cheaper.

We can further expand in this area by making clear that what we want in our freedom and autonomy is not which commercial health insurance plan we get to choose from-the lesser of a 1000 evils-but freedom to choose our doctors and hospitals and be the captain of our healthcare ship.

Prior authorization is freedom denied. High out-of-pocket expenses are freedom denied. Spending countless hours dealing with bills and explanation of benefit forms and appeals and the whole mess is freedom denied. Et cetera, the examples are endless. (BTW, we put together a piece in response to Frank Luntz’ 2009 guide to talking down the ACA, and it is pretty good along these very lines of thought.)

He points out that people are loath to give up agency. They have been told for decades that having employee-based health insurance is somehow agency. I think the experience of most of us with employer-based health insurance is anything but an exercise in autonomy. How many hours have we as individuals and as a society devoted to choosing among multiple health plans from our employer every year? If there were a choice that included near-complete coverage, minimal out-of-pocket expenses, no lifetime limits, unlimited choice of doctors and hospitals and basically what most citizens of developed nations expect as a given, who would not make that choice? Instead, our agency is to choose among the “cream of the crap,” as Paul O’Neill would say.

Reactance and the anti-persuasion radar.

People often take contrary position because they feel like they are being asked to do something. Not even commanded, just asked. People will even resist initiatives that they themselves wanted simply because they become mandatory or imposed in some way. Avoidance is the most common defense mechanism-simply ignoring the message. If they cannot avoid the message, they will cognitively shoot down every component of the message including content and source.

HCR lessons:

This is tough in these highly partisan times. Having content and sources that can at least partly tear down the barriers may end up being key. That is why I think that pairing doctors and nurses to deliver these messages might be key. Doctors are generally trusted, and nurses even more so. And as his corroborating evidence chapter discusses later on, having multiple sources from different areas is more powerful than, say, 5 doctors from PNHP.

Allow for Agency

Important discussion here about getting the perspective of the target audience. He uses the antismoking campaign example and tells how the team asked teenagers for their perspective on the antismoking campaign. They let the teens themselves craft the messages and in this case the messages of tobacco industry manipulation of the public and the political system. “Here is what the industry is doing, they said. You tell us what you want to do about it.”

HCR lessons:

Clearly this can be a powerful tool. We know what the medical industrial complex has been doing for decades. We can craft the messages straight out of Elizabeth Rosenthal’s An American Sickness, chapter by chapter!

I love the example of creating workbooks showing, exactly as Katy Porter did with Revlimid, exactly how pharmaceutical pricing impacts executive pay. (I think it would be also a fun exercise to show how that pricing translates into bonuses for the workers at the company, particularly the scientists who actually do the beneficial work in the industry.)

The other example about the teenagers calling out the magazine executive about not running anti-smoking ads as a public service practically writes itself when translated into healthcare. “Is this about people or about money?”

Berger notes that this campaign worked because it did not tell teenagers to stop smoking, it gave them information from their peers, and they were given agency to make a decision. This encourage them to be active participants rather than passive bystanders, Berger notes.

Creating agency reduces reactance and allows room for action. I can see campaigns pointing out the exorbitant costs of insulin or other medications, the “financial toxicity” of illness, and allowing the public to make up its mind about the acceptability of all this. Of course, there are thousands of other examples that doctors and nurses and health policy experts can give to create ads.

Four key ways to do that are: (1) Provide a menu, (2) ask, don’t tell, (3) highlight a gap, and (4) start with understanding.

Provide a Menu: Let them choose how they get where you are hoping they’ll go.

Provide the trade-offs upfront, as when negotiating salary versus paid time off in Berger’s example. Or, as one selecting off a menu at the restaurant-you are limited to what is on the menu, but there are still many choices. Or offering multiple choices of direction to a client when pitching something. Getting to choose between multiple options reduces reactance.

HCR lessons:

This is why I still I think the single-payer movement is doomed. It presents a single choice as the best choice and only choice.

Ask, Don’t Tell

The example here is a good one about asking students about their expectations of the hours required to prep for a GMAT exam. Basically, this is allowing for an interaction that lets the student figure out, by providing information and feedback, a more realistic study schedule.

This shifts the student from reactance and thinking of all the reasons to disagree or discount the information, the student becomes actively trying to figure out a real answer. Their opinion is valued.

Being able to ask questions increases buy-in. Asking questions that inform their thinking makes them participants in creating the best answer for them.

Berger writes that questions encourage listeners to commit to the conclusion. Asking the question framed around the student’s goals allowed them a path to the solution.

HCR lessons:

I went to the Mob Museum in Las Vegas a couple years ago. One of the things that caught my attention was the Kefauver commission. Sen. Kefauver went around the country holding hearings on organized crime and the effects on the communities he was visiting. This did 2 things. It raised awareness and humanized the crimes. They were no longer ephemeral.

When I was reading the section, I couldn’t help but think how powerful it would be to do sessions around the country with the goal of highlighting the negative effects of the medical industrial complex on ordinary people and then giving them the chance to ask questions of knowledgeable doctors and nurses about potential solutions. For me, this must be people knowledgeable about international healthcare systems. I think the answers are out there and we simply refuse to look for them. Having knowledgeable people be able to answer questions about how we solve X problem and being able to offer a tried-and-true international example would be powerful.

“It is a mistake for any nation to merely copy another; but it is even a greater mistake, it is a proof of weakness in any nation, not to be anxious to learn from one another and willing and able to adapt that learning to the new national conditions and make it fruitful and productive therein.” – Teddy Roosevelt.

Highlight a Gap: show the disconnect between what we do or think versus what we might recommend to others.

The important example in this section is about killing off something that is ongoing. He uses the example of a project within a business that is being proposed at the current moment would not be started, but as an existing ongoing project, it is hard to kill it. He attributes this to inertia and somewhere in another chapter he does talk about status quo bias and endowment.

HCR lessons: clearly this should be an important strategy for healthcare reform. I think there are very few people, conservative or liberal, who would create the US healthcare system as it is if they were designing a system from scratch. Some conservatives might argue for at least some of the pro-business, pro-market portions, but very few would argue to keep the system even close to what it is. And pulling confirms this, with a large majority of Americans thinking the system needs to be rebuilt entirely or have major changes. The cost of doing nothing in “blood and treasure” is enourmous.

Start with Understanding.

“Before people change, they have to be willing to listen.”

You cannot start a discussion jumping immediately to the outcome you want and expect people to come along. You must listen to them and understand them first. This requires understanding the other person, gaining insights appreciating their situation. Start by building a bridge.

Tactical empathy allows for not only showing compassion, it also allows one to gain valuable information. Using phrases like you and I, using us and we while working out and working towards solutions is of great value.

It is helpful if by using these techniques the other person feels as if the solution was their idea, or at least partly their idea. (Similar to the GMAT example.)

The other example he gives is not about a hostage situation, but about a suicidal father. The key here is pointing out to him his actions’ effect on his kids. “When people feel understood and cared about, trust develops.”

HCR lessons:

of course, these ideas are powerful in dealing with individuals, but I would circle back around to the Kefauver commission type events. Imagine talking to members of the audience, learning their concerns and developing trust. (As I am brainstorming this, I imagine some truly great ads could come out of the recordings of these sessions!)

Understanding their fears and concerns about transitions to universal healthcare are key. Just like in the Kaiser surveys, when asked about universal healthcare support is two thirds. Add to the question that one would lose one’s employer-based insurance, the support drops in half. This is natural, it is loss aversion. We need to understand the concerns of someone who has employer-based insurance and their fears. We need to allay those fears. We need to understand and offer solutions. In the case of developing a good universal healthcare system, the upsides are protean if you are aware of them. If not, you just think of care delayed and care denied. And, as part of my theme about our vast moral gap on these questions, transitioning to support of universal healthcare means letting other people “get over on you.” (A discussion for another article.)

There’s a Mark Twain quote, “Compassion is such a basic human emotion that it has even been observed among the French!” In spite of the fear of many of having other people get over on them, people are also generally compassionate. Uwe Reinhardt says something along the lines of “Americans are capable of both magnificent generosity and unfathomable cruelty.” The idea of talking about our children and our community’s children and their community’s disabled and poor and so on might be powerful. It would make for some interesting testing, but, it would be consistent with Kalla and Brickman and the deep canvassing techniques covered later in the book.

Berger, Jonah. The Catalyst: How to Change Anyone’s Mind (p. 83). Simon & Schuster. Kindle Edition.

Using Catalyst as framework for Moral Healthcare Chapter 2: Endowment

[These blog entries are my notes and takeaways from Jonah Berger’s amazing book, The Catalyst as I apply them to Universal Healthcare.]

Endowment (Wikipedia): people are more likely to retain an object they own than acquire that same object when they do not own it; or,  “an application of prospect theory positing that loss aversion associated with ownership explains observed exchange asymmetries.”  ( Zeiler, Kathryn (2007-01-01). “Exchange Asymmetries Incorrectly Interpreted as Evidence of Endowment Effect Theory and Prospect Theory?”. American Economic Review. 97 (4): 1449–1466. doi:10.1257/aer.97.4.1449S2CID 16803164.)

Kahneman and Tversky did an experiment with Duke students who were competing for NCAA playoff tickets, some got them, most did not. When asked to value the tickets, those who had them placed a massive value on them, while those who did not have them expressed a fractional willingness to pay.

Same with homeowners – they value their home far more than strangers who are looking to buy.

Status quo bias: Our natural tendency to prefer things as they are.

“Whenever people think about changing, they compare things to their current state. The status quo. And if the potential gains barely outweigh the potential losses, they don’t budge. To get people to change, the advantages have to be at least twice as good as the disadvantages.”

Uwe Reinhardt’s observation is that everyone’s second choice in any healthcare reform scheme is the status quo, so it almost always wins.

Loss Aversion: The classic example is again K&T of the coin flip bet. We are uninterested in gambling with a significant potential loss. We are very interested when the loss is the given unless we gamble. The factor for the former is $260 – $100.

How to overcome Endowment Effects?

Surface the Cost of Inaction

“When the status quo is terrible, it’s easy to get people to switch. They’re willing to change because inertia isn’t a viable option.”

Email signature example: You have to demonstrate the cost (time) is greater doing nothing (status quo) in the long run.

Investment example: Safe investing costs money in the long run. Show the cost of the status quo.

The cost-benefit timing gap. This is essentially delayed gratification. If there are upfront costs in time, money, effort, to achieve a benefit, inertia will likely prevent action.

“But while doing nothing often seems costless, it’s often not as costless as it seems.”

HCR Lessons:

What is the cost of an action in healthcare in the United States?

I think the obvious answer here for those who are currently covered by employer-based insurance or Medicare is the financial cost is not going to be sustainable. Making the argument that it already is unsustainable is pretty easy, too! The ongoing theft of wages by the medical industrial complex is both quiet and brazen. Seniors have a fear of losing Medicare. The biggest threat to Medicare is the rapidly increasing costs and the eventual unwillingness country to continue paying for it.

The next answer is the economic loss. We can pull up all the figures off losses to the economy due to illness and lack of access to treatment. We can cite loss of opportunity and loss of human capital potential due to our current predicament. There are experts in these two areas that can be tapped to explore this more fully.

I would also suggest that using Rosenthal’s An American Sickness as a template for exploring all the waste and profiteering the system would make for good fodder. The cost of inaction continuing to allow this to go on is economically unsustainable.

But as Uwe Reinhardt and Prof. Cheng point out, that while it may not be economically sustainable it is definitely politically sustainable. By that, they mean that the money pouring in to prop up the status quo and to prop up the profiteering makes it politically sustainable.

The next set of costs are the human costs: time, money, illness, suffering, economic suffering, stress. Here are just a few (and each list can be expanded-a lot!):

  • time spent
    • researching health plans
    • on the phone with health plans – prior authorization, disputed claims, reviewing explanations of benefits
    • trying to get care without insurance
  • money
    • lost wages to pay for employer-based health insurance
    • money paid out to get insurance if not offered by the employer
    • out-of-pocket expenses for most everything.
    • Highly inflated prices due to our “free market” system
  • illness and suffering
    • untreated illness leads to suffering and delay in care and sometimes death.
    • Suffering due to financial impairment is a big deal.
    • Going to work sick or injured
  • Economic suffering
    • “financial toxicity”
    • this obviously gets tied into time and money and illness and suffering
  • stress
    • obviously related to everything above, but should not be discounted.
    • There is research into this area, but I am not familiar enough to expound on it.

We will need to do some brainstorming as to the other costs that I am not listing here. I actually think that the idea of doing the live sessions with the public will elicit vast amounts of material to both populate our story inventory for what I have listed above, but will also grow the inventory of costs of inaction.

Burn The Ships.

Example here is Cortes burning his ships so the crew could not go back. It makes going back no longer an option.

Business example is to encourage people to adopt the new software update, notify them of the loss of support for the legacy software. This creates cost to inaction. So you may not be able to burn the ships, but you can at least refuse to subsidize them any longer.

HCR Lessons:

interestingly enough, one could argue that the requirements of the affordable care act mandating that insurance plans cover the required benefits stipulated in the act was a way of burning ships. You can no longer get really bad policies as you once could. As an aside, I’ve heard many complaints about that fact-people wanted to feel like they were covered with those plans because they can afford them. So they felt that taking those plans away was a great loss to them. It would be interesting to have a discussion about this and about how people feel about it now.

Allowing people to buy into Medicare or Medicaid or public option plan would probably fit under easing uncertainty by allowing people to try with the option to go back. However, once there is adequate buy-in to these options, one can certainly burn the ships by ending the tax subsidy for employer-based insurance and allowing those to die away.

Easing Endowment.

“Catalyzing change isn’t just about making people more comfortable with new things; it’s about helping them let go of old ones.”

“…perceived gains and losses are what matter…” This is analogous to Kahneman’s observation that we don’t choose between things, we choose between descriptions of things.

The case study in this chapter is about Brexit. He makes the point that recasting the vote to leave as regaining control or regaining something made the difference. The vote wasn’t to lose something, it was to regain something.

“It’s not a change; it’s a refresh.”

HCR Lessons:

I need to think some more about the perceived gains and losses of transitioning to a universal healthcare system. I actually think this would greatly benefit from some focus group testing on what the perceived gains and losses are by various segments of the public. I have ideas, but they are just my ideas.

The case study about Brexit does conjure up some opportunities. Take back control of your health care? Take back control from corporations? Take back control from the bureaucrats? Take back control from Wall Street? Lots of things that would benefit from some testing. In

Berger, Jonah. The Catalyst: How to Change Anyone’s Mind (p. 83). Simon & Schuster. Kindle Edition.

Why are conservative attacks on universal healthcare always so lame?

An Astoundingly Tone-Deaf Piece by Sally Pipes in Forbes Magazine.

“The pandemic has revealed the rotten core of single-payer.”

The Agnew Clinic, Thomas Eakins

I can scarcely fathom a more obtuse sentence. Here we are, in America, currently competing to be a shit-hole nation, and Ms. Pipes is so clueless that she thinks the pandemic has exposed other nations’ healthcare problems. Wow. Just wow.

Data from the Kaiser Family Foundation showed the uninsured rate in America, thanks to the Affordable Care Act, had declined from around 17% to about 10%. So, as of 2018, about 27.9 million people in the US were uninsured. (For those of you who have not had the misfortune of reading Ms. Pipes work, these 27. 9 million people can’t even qualify for the horrific queues Ms. Pipes laments about.) Since the pandemic, these numbers have skyrocketed, as Mr. Trump might say. With the massive waves of unemployment due to the pandemic, Families USA estimated more than 5 million laid-off workers joined the ranks of the uninsured. They, too are not even eligible to get in the queues for care that Ms. Pipes laments.

Ms. Pipes points to the sad case of a man who died from kidney failure due to delayed elective surgeries in Canada. Sad, of course, but Ms. Pipes is no doubt aware of the saying attributed to Stalin, “A single death is a tragedy; a million deaths is a statistic” While Ms. Pipes is lamenting the Canadian system for this tragedy, the US healthcare system is guilty of the statistical heap of deaths due to kidney failure in the US. According to the CDC via the National Kidney Foundation:

Early referral to nephrology is associated with improved CKD outcomes, however Black or African American patients are more likely to have delayed referral or no nephrology referral at all. Communities of color are also overrepresented among patients with end-stage kidney disease. For every three non-Hispanics who develop kidney failure, four Hispanics develop kidney failure. Black or African Americans are three times more likely to suffer from kidney failure than Whites.

Pipes notes that three dozen people have died in Ontario due to cancelled heart surgeries. I hate to make light of this, because, you know, most Canadians care about each other and this bothers them. But in America, this is chump change, in terms of the cost in human lives. Again, More than 30 million Americans can’t even get into the queue for the cancelled heart surgeries. As Ms. Pipes probably knows, showing up in the Emergency Department actually having a heart attack does not turn out as well as having a primary care doctor you can afford to see and maybe try to avoid the heart attack in the first place. According to the American Heart Association (references omitted),

Americans with CVD risk factors who are underinsured or do not have access health insurance, have higher mortality rates and poorer blood pressure control than their adequately insured counterparts. Uninsured stroke patients also suffer from greater neurological impairments, longer hospital stays, and higher risk of death than similar patients with adequate coverage. Not having coverage or having inadequate coverage also impacts patients’ financial stability. More than 60% of all bankruptcies in 2007 were a result of illness and medical bills – more than a quarter of these bankruptcies were the result of CVD. Nearly 80% of those who filed for medical bankruptcy were insured. Additionally, uninsured and underinsured patients are more likely to report access issues related to cost, including not filling a prescription, forgoing needed specialist care, or even not seeking medical care during an acute heart attack. Delaying care can have huge negative consequences for both patients and for the healthcare system. To that extent, it is clear that not having access to quality, comprehensive health coverage and care is bad for patients.

Her next example is a woman from Nova Scotia who had to resort to a GoFundMe campaign to pay expenses for lung transplant surgery! Can you imagine? Oh, wait, about half of all money raised on GoFundMe is for medical expenses. The Guardian recently reported that “25% of Americans say they or a family member have delayed medical treatment for a serious illness due to the costs of care, and an additional 8% report delaying medical treatment for less serious illnesses.” BTW, the Guardian sites an anecdote about a woman who called in sick due to pneumonia and lost her job and her health insurance for exceeding her employer’s attendance requirements by one day.

And speaking of financial hardship, or the “financial toxicity” of disease, researchers reported in 2018, pre-pandemic, that, for Americans newly diagnosed with cancer between 2000-2012, at just year two, 42.4% had depleted their entire life’s assets, with average losses of $92,098. Only 7.9% of these were uninsured.

The overarching theme of this piece is that somehow citizens with universal and affordable access to care are paying a steeper price than those of us with an unreliable and expensive healthcare infrastructure. She gives examples of people with access to universal, affordable healthcare are now caught in a backlog due to the pandemic. That is awful. But, the idea that America is somehow immune to the disruptions necessitated by COVID-19 is so ludicrous that I don’t think it needs dignified with a reference. If the planet you are living on has not allowed in enough oxygen to allow you to not see what utter nonsense this is, then you stopped reading this a long time ago!

This wouldn’t be a Sally Pipes piece without a partisan attack, and she does not disappoint, attacking Joe Biden and Democrats for working towards universal healthcare. She closes with this precious line, “The pandemic has revealed the rotten core of single-payer.” I have been saying for some time now that avarice and amorality are the rotten core of American Healthcare, and the pandemic has, as possibly it’s only upside, exposed the truism that American healthcare is a mess.

Cognitive Science Lessons.

People like Ms. Pipes have spent decades making sure that stories like the ones she has in her articles are pushed front and center in people minds. It is very effective in insuring predisposition to opposing healthcare reform for the following reasons:

  1. Recency Effect and Availability Bias. Placing narratives, especially emotionally charged ones, as Pipes’ does expertly, is a powerful tool. It activates our mind in several ways. Because we hear stories like these repeated by conservatives over and over again (mostly the same set of stories), they are both recent  and available,  and thus come to mind when we are asked to think about universal healthcare. When there is a discussion of the topic, these types of anecdotes come to mind and reinforce opposition, if that is our predisposition, to change. The obvious counter to this is to make the “American Horror Stories” that physicians, nurses and really anyone who has had an interaction with the healthcare system, know so well, and tell those thousands and millions of stories! Even for someone who has run the gauntlet and gotten the crowning jewels of medicine, like a transplant or interventional procedures or survived sepsis in the ICU, it is rare to not have numerous tales of the hassles of prior authorization and “explanation of benefits” forms and bills and checks and everything that makes the business of medicine such a horror show.
  2. Loss or Risk or Dread Aversion. Knowing or hearing stories of dreadful outcomes creates powerful aversion in us. If we hear stories of people not receiving care and dying, that arouses significant emotions and colors our assessment of a problem. Thus, when stories are recent, available to our minds readily and scary, they are impactful. And as with the former effects, those who know the benefits of universal healthcare that we see around the world, and the horror show we see here in America, this should be our wheelhouse. We have the stories of the heartlessness and cruel rationing of care in front of us every day. We need to collect them and use them. Recency, availability and dread aversion need to become the friends of advocates for universal healthcare.
  3. I was going to add a third point here about the pro-business, pro-corporate brainwashing that has occurred in the US over the past half century or so, but rather, I’ll just ask you to read Anand Giridharadas’ Winners Take All,  or at least get a taste of it here in this Guardian review. And for those who think private corporations always handle things better than government or other public agencies, I’ll just ask you to recall the last time you called your a) cable company b) health insurance company or c) well, almost any large corporation.