Monday, January 06, 2025

The Changing Medical Debt Landscape in the United States

 

Why Doesn’t the News Media Talk About the Real Issues in Life?

Looking at why the media seems increasingly to be talking to itself and not ordinary people.




The Changing Medical Debt Landscape in the United States

Urban.org: “Medical debt can intensify financial challenges, affect health care access, and potentially worsen health outcomes. Starting in 2022, the three nationwide credit reporting companies made significant changes to medical debt reporting. 

Paid medical collections were removed from credit reports, debt in collections would no longer be used in calculating Vantage credit scores, the grace period for medical debt was extended to one year, and collections under $500 were excluded from consumer credit reports. 

These changes helped cut the number of Americans with medical debt in collections in half and improve credit scores. But 15 million Americans still have medical debt in collections, and most debt balances remain on credit reports. The Biden-Harris Administration has called on states and localities to reduce the burden of medical debt and has announced new actions to remove medical debt from credit reports altogether…”


Fact-checking information from large language models can decrease headline discernment

psypost.org – “A recent study published in the Proceedings of the National Academy of Sciences investigates how large language models, such as ChatGPT, influence people’s perceptions of political news headlines. The findings reveal that while these artificial intelligence systems can accurately flag false information, their fact-checking results do not consistently help users discern between true and false news.

 In some cases, the use of AI fact-checks even led to decreased trust in true headlines and increased belief in dubious ones. Large language models (LLMs), such as ChatGPT, are advanced artificial intelligence systems designed to process and generate human-like text. These models are trained on vast datasets that include books, articles, websites, and other forms of written communication. 

Through this training, they develop the ability to respond to a wide range of topics, mimic different writing styles, and perform tasks such as summarization, translation, and fact-checking. The motivation behind this study stems from the growing challenge of online misinformation, which undermines trust in institutions, fosters political polarization, and distorts public understanding of critical issues like climate change and public health. 

Social media platforms have become hotspots for the rapid spread of false or misleading information, often outpacing the ability of traditional fact-checking organizations to address it. LLMs, with their ability to analyze and respond to content quickly and at scale, have been proposed as a solution to this problem. However, while these models can provide factual corrections, little was known about how people interpret and react to their fact-checking efforts…”