We Need To Examine The Ethics And Governance Of Artificial Intelligence

Nikita Malik
forbes.com
Originally posted October 4, 2018

Here is an excerpt:

The second concern is on regulation and ethics. Research teams at MIT and Harvard are already looking into the fast-developing area of AI to map the boundaries within which sensitive but important data can be used. Who determines whether this technology can save lives, for example, versus the very real risk of veering into an Orwellian dystopia?

Take artificial intelligence systems that have the ability to predicate a crime based on an individual’s history, and their propensity to do harm. Pennsylvania could be one of the first states in the United States to base criminal sentences not just on the crimes people are convicted of, but also on whether they are deemed likely to commit additional crimes in the future. Statistically derived risk assessments – based on factors such as age, criminal record, and employment, will help judges determine which sentences to give. This would help reduce the cost of, and burden on, the prison system.

Risk assessments – which have existed for a long time - have been used in other areas such as the prevention of terrorism and child sexual exploitation. In the latter category, existing human systems are so overburdened that children are often overlooked, at grave risk to themselves. Human errors in the case work of the severely abused child Gabriel Fernandez contributed to his eventual death at the hands of his parents, and a serious inquest into the shortcomings of the County Department of Children and Family Services in Los Angeles. Using artificial intelligence in vulnerability assessments of children could aid overworked caseworkers and administrators and flag errors in existing systems.

The info is here.

Surprised By A Medical Bill? Join The Club. Most Americans Say They Have Been

Alison Kodjak
www.npr.org
Originally posted September 2, 2018

Here is an excerpt:

Most survey respondents — 57 percent — have been surprised by a medical bill they thought would be paid for by their insurance companies, the survey from the research group NORC at the University of Chicago finds.

"People get surprised by all kinds of bills, for all kinds of reasons," says Caroline Pearson, a senior fellow at NORC.

Pearson herself says she was not expecting the problem to be so widespread.

The survey shows that 53 percent of those surveyed were surprised by a bill for a physician's service, and 51 percent got an unexpected bill for a laboratory test – like the urine test featured in our earlier story.

Hospital and health care facility charges surprised 43 percent of respondents, and 35 percent reported getting unexpected bills for imaging services, like the CT scan featured by NPR.

The survey shows that while some of the unexpected bills come because doctors or hospitals where patients are treated don't participate in the patients' insurance networks, the majority come because patients expect their insurance to cover more than it actually does.

The info is here.

Health Insurers Are Vacuuming Up Details About You — And It Could Raise Your Rates

Marshall Allen
ProPublica.org
Originally posted July 17, 2018

Here are two excerpts:

With little public scrutiny, the health insurance industry has joined forces with data brokers to vacuum up personal details about hundreds of millions of Americans, including, odds are, many readers of this story. The companies are tracking your race, education level, TV habits, marital status, net worth. They’re collecting what you post on social media, whether you’re behind on your bills, what you order online. Then they feed this information into complicated computer algorithms that spit out predictions about how much your health care could cost them.

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At a time when every week brings a new privacy scandal and worries abound about the misuse of personal information, patient advocates and privacy scholars say the insurance industry’s data gathering runs counter to its touted, and federally required, allegiance to patients’ medical privacy. The Health Insurance Portability and Accountability Act, or HIPAA, only protects medical information.

“We have a health privacy machine that’s in crisis,” said Frank Pasquale, a professor at the University of Maryland Carey School of Law who specializes in issues related to machine learning and algorithms. “We have a law that only covers one source of health information. They are rapidly developing another source.”

The information is here.

Planning Complexity Registers as a Cost in Metacontrol

Kool, W., Gershman, S. J., & Cushman, F. A. (in press). Planning complexity registers as a
cost in metacontrol. Journal of Cognitive Neuroscience.

Abstract

Decision-making algorithms face a basic tradeoff between accuracy and effort (i.e., computational demands). It is widely agreed that humans have can choose between multiple decision-making processes that embody different solutions to this tradeoff: Some are computationally cheap but inaccurate, while others are computationally expensive but accurate. Recent progress in understanding this tradeoff has been catalyzed by formalizing it in terms of model-free (i.e., habitual) versus model-based (i.e., planning) approaches to reinforcement learning. Intuitively, if two tasks offer the same rewards for accuracy but one of them is much more demanding, we might expect people to rely on habit more in the difficult task: Devoting significant computation to achieve slight marginal accuracy gains wouldn’t be “worth it”. We test and verify this prediction in a sequential RL task. Because our paradigm is amenable to formal analysis, it contributes to the development of a computational model of how people balance the costs and benefits of different decision-making processes in a task-specific manner; in other words, how we decide when hard thinking is worth it.

The research is here.

Moral outrage in the digital age

Molly J. Crockett
Nature Human Behaviour (2017)
Originally posted September 18, 2017

Moral outrage is an ancient emotion that is now widespread on digital media and online social networks. How might these new technologies change the expression of moral outrage and its social consequences?

Moral outrage is a powerful emotion that motivates people to shame and punish wrongdoers. Moralistic punishment can be a force for good, increasing cooperation by holding bad actors accountable. But punishment also has a dark side — it can exacerbate social conflict by dehumanizing others and escalating into destructive feuds.

Moral outrage is at least as old as civilization itself, but civilization is rapidly changing in the face of new technologies. Worldwide, more than a billion people now spend at least an hour a day on social media, and moral outrage is all the rage online. In recent years, viral online shaming has cost companies millions, candidates elections, and individuals their careers overnight.

As digital media infiltrates our social lives, it is crucial that we understand how this technology might transform the expression of moral outrage and its social consequences. Here, I describe a simple psychological framework for tackling this question (Fig. 1). Moral outrage is triggered by stimuli that call attention to moral norm violations. These stimuli evoke a range of emotional and behavioural responses that vary in their costs and constraints. Finally, expressing outrage leads to a variety of personal and social outcomes. This framework reveals that digital media may exacerbate the expression of moral outrage by inflating its triggering stimuli, reducing some of its costs and amplifying many of its personal benefits.

The article is here.

Even the Insured Often Can't Afford Their Medical Bills

Helaine Olen
The Atlantic
Originally published June 18, 2017

Here is an excerpt:

The current debate over the future of the Affordable Care Act is obscuring a more pedestrian reality. Just because a person is insured, it doesn’t mean he or she can actually afford their doctor, hospital, pharmaceutical, and other medical bills. The point of insurance is to protect patients’ finances from the costs of everything from hospitalizations to prescription drugs, but out-of-pocket spending for people even with employer-provided health insurance has increased by more than 50 percent since 2010, according to human resources consultant Aon Hewitt. The Kaiser Family Foundation reports that in 2016, half of all insurance policy-holders faced a deductible, the amount people need to pay on their own before their insurance kicks in, of at least $1,000. For people who buy their insurance via one of the Affordable Care Act’s exchanges, that figure will be higher still: Almost 90 percent have deductibles of $1,300 for an individual or $2,600 for a family.

Even a gold-plated insurance plan with a low deductible and generous reimbursements often has its holes. Many people have separate—and often hard-to-understand—in-network and out-of-network deductibles, or lack out-of-network coverage altogether.  Expensive pharmaceuticals are increasingly likely to require a significantly higher co-pay or not be covered at all. While many plans cap out-of-pocket spending, that cap can often be quite high—in 2017, it’s $14,300 for a family plan purchased on the ACA exchanges, for example. Depending on the plan, medical care received from a provider not participating in a particular insurer’s network might not count toward any deductible or cap at all.

The article is here.

Big Pharma gives your doctor gifts. Then your doctor gives you Big Pharma’s drugs

Nicole Van Groningen
The Washington Post
Originally posted June 13, 2017

Here is an excerpt:

The losers in this pharmaceutical industry-physician interaction are, of course, patients. The high costs of branded drugs are revenue to drug companies, but out-of-pocket expenses to health-care consumers. Almost a quarter of Americans who take prescription drugs report that they have difficulty affording their medications, and the high costs of these drugs is a leading reason that patients can’t adhere to them. Most branded drugs offer minimal — if any — benefit over generic formulations. And if doctors prescribe brand-name drugs that are prohibitively more expensive than generic options, patients might forgo the medications altogether — causing greater harm.

On a national scale, the financial burden imposed by branded drugs is enormous. Current estimates place our prescription drug spending at more than $400 billion annually, and branded drugs are almost entirely to blame: Though they constitute only 10 percent of prescriptions, they account for 72 percent of total drug spending. Even modest reductions in our use of branded prescription drugs — on par with the roughly 8 percent relative reduction seen in the JAMA study — could translate to billions of dollars in national health-care savings.

The article is here.

The Specialists’ Stranglehold on Medicine

Jamie Koufman
The New York Times - Opinion
Originally posted June 3, 2017

Here is an excerpt:

Neither the Affordable Care Act nor the Republicans’ American Health Care Act addresses the way specialists are corrupting our health care system. What we really need is what I’d call a Health Care Accountability Act.

This law would return primary care to the primary care physician. Every patient should have one trusted doctor who is responsible for his or her overall health. Resources must be allocated to expand those doctors’ education and training. And then we have to pay them more.

There are approximately 860,000 practicing physicians in the United States today, and too few — about a third — deliver primary care. In general, they make less than half as much money as specialists. I advocate a 10 percent to 20 percent reduction in specialist reimbursement, with that money being allocated to primary care doctors.

Those doctors should have to approve specialist referrals — they would be the general contractor in the building metaphor. There is strong evidence that long-term oversight by primary care doctors increases the quality of care and decreases costs.

The bill would mandate the disclosure of procedures’ costs up front. The way it usually works now is that right before a medical procedure, patients are asked to sign multiple documents, including a guarantee that they will pay whatever is not covered by insurance.  But they will have no way of knowing what the procedure actually costs. Their insurance may cover 90 percent, but are they liable for 10 percent of $10,000 or $100,000?

We also need more oversight of those costs. Instead of letting specialists’ lobbyists set costs, payment algorithms should be determined by doctors with no financial stake in the field, or even by non-physicians like economists. An Independent Payment Advisory Board was created by Obamacare; it should be expanded and adequately funded.

The article is here.

Obama Administration Report Slams Digital Health Records

By Melinda Beck
The Wall Street Journal
Originally published on April 10, 2015

The Obama administration took vendors of electronic health records to task for making it costly and cumbersome to share patient information and frustrating a $30 billion push to use digital records to improve quality and cut costs.

The report, by the Office of the National Coordinator for Health Information Technology, listed a litany of complaints it has received about vendors allegedly charging hefty fees to set up connections and share patient records; requiring customers to use proprietary platforms; and making it prohibitively expensive to switch systems.

The report also cited complaints that some hospital systems make it difficult to transfer patient records to rival systems or physicians as a way to control referrals and enhance their market dominance.

The entire article is here.