#  @mariots Mario Schlosser
Mario Schlosser posts on X about this is, health, open ai, elon musk the most. They currently have [-----] followers and [---] posts still getting attention that total [---------] engagements in the last [--] hours.
### Engagements: [---------] [#](/creator/twitter::30132262/interactions)
### Mentions: [--] [#](/creator/twitter::30132262/posts_active)
### Followers: [-----] [#](/creator/twitter::30132262/followers)
### CreatorRank: [-------] [#](/creator/twitter::30132262/influencer_rank)
### Social Influence
**Social category influence**
[finance](/list/finance) [technology brands](/list/technology-brands) [stocks](/list/stocks) [celebrities](/list/celebrities) [countries](/list/countries) [travel destinations](/list/travel-destinations) [us election](/list/us-election) [cryptocurrencies](/list/cryptocurrencies) [currencies](/list/currencies) [vc firms](/list/vc-firms)
**Social topic influence**
[this is](/topic/this-is), [health](/topic/health), [open ai](/topic/open-ai), [elon musk](/topic/elon-musk), [the most](/topic/the-most), [ai](/topic/ai), [in the](/topic/in-the), [money](/topic/money), [code](/topic/code), [insurance](/topic/insurance)
**Top accounts mentioned or mentioned by**
[@openai](/creator/undefined) [@elonmusk](/creator/undefined) [@oscarhealth](/creator/undefined) [@davidsacks](/creator/undefined) [@joshuakushner](/creator/undefined) [@erenbali](/creator/undefined) [@richardhanania](/creator/undefined) [@cliffordasness](/creator/undefined) [@billackman](/creator/undefined) [@bobeunlimited](/creator/undefined) [@nntaleb](/creator/undefined) [@danprimack](/creator/undefined) [@mtbert](/creator/undefined) [@modrnhealthcrs](/creator/undefined) [@investingwithac](/creator/undefined) [@molly0xfff](/creator/undefined) [@mcuban](/creator/undefined) [@abemurray](/creator/undefined) [@rockhealth](/creator/undefined) [@levie](/creator/undefined)
**Top assets mentioned**
[Alphabet Inc Class A (GOOGL)](/topic/$googl) [Uber Technologies, Inc. (UBER)](/topic/$uber) [Bitcoin (BTC)](/topic/bitcoin) [IBM (IBM)](/topic/ibm)
### Top Social Posts
Top posts by engagements in the last [--] hours
"Counterintuit. crypto thought: crypto lovers say govt regulation is bullish for bitcoin. But if illicit activity sets a floor of real economic activity in bitcoin then removing that floor will be like reducng banks' equity capital to [--] = higher bank run probability @molly0xFFF"
[X Link](https://x.com/mariots/status/1520476136899231745) 2022-04-30T18:52Z [----] followers, [--] engagements
"@DanMunro @boltyboy @OscarHealth Not sure we need any payers: https://www.hioscar.com/what-oscar-does https://www.hioscar.com/what-oscar-does"
[X Link](https://x.com/mariots/status/1592157105951166464) 2022-11-14T14:06Z [----] followers, [--] engagements
"@UridiumAuthor A different angle: the prime-counting function x / ln(x) which approximates the # of primes = x isn't even defined for x = [--] (div by 0). Similarly other functions in that whole Riemann-related world have integrals in them that don't converge if you look for primes = 2"
[X Link](https://x.com/mariots/status/1661857335457841152) 2023-05-25T22:10Z [----] followers, [--] engagements
"2/3 of Oscar members use our care routing tools to find their doctors. But provider specialty taxonomies were created for billing purposes not for physician discovery. An LLM-assisted specialty search can deliver this much more intuitively. 5/"
[X Link](https://x.com/mariots/status/1674138936585736192) 2023-06-28T19:34Z [----] followers, [----] engagements
"People react differently to messages - e.g. convenience msg better for chronic vs. personal better for healthy members. Our Campaign Builder tool allows for rapid testing. That can now call GPT-4 - e.g. to identify members for our maternity journey from text interactions. 6/"
[X Link](https://x.com/mariots/status/1674138940087980050) 2023-06-28T19:34Z [----] followers, [----] engagements
"The mathematical symbol that distinguishes between different "sizes" of infinities is aleph. Aleph is also the letter in the Hebrew alphabet that has "infinite" pronunciations: it has no sound by itself just takes on the pronunciation of whatever vowel sign it is marked by"
[X Link](https://x.com/mariots/status/1678706586636656642) 2023-07-11T10:03Z [----] followers, [---] engagements
"Check out Oscar quarterly earnings here: Some highlights: (1) Second consecutive quarter of total co profitability ($87M adj. EBITDA in first half) (2) NPS climbed to [--] (3) back to expanding (4) pushing forward on +Oscar"
[X Link](https://x.com/mariots/status/1689236996466630657) 2023-08-09T11:27Z [----] followers, [----] engagements
"Useful to have done IPO to now interpret other people's IPOs: Instacart said they'll price at $26-28 per share. Which means they'll do roadshow this week IPO next Wed. If the roadshow is going well (conversion rate from meeting to investor commitment 85%) they will increase that range to $30-32 by mid-week. If it is merely going fine (conversion 70%) they will do it on Mon night next week including upsizing the $ they're raising. Then they will try to price above that new range on Tue night trade Wed"
[X Link](https://x.com/mariots/status/1701224976651591799) 2023-09-11T13:23Z [----] followers, 17.5K engagements
"Interesting that when you ask @OpenAI GPT-4 with "Adv Data Analysis" turned on to write Python code & then to make it interactive it tries to use ipywidgets (library for interactivity in Jupyter notebooks so it fails & it apologizes). Interaction controls: great future feature"
[X Link](https://x.com/mariots/status/1703862292599677276) 2023-09-18T20:03Z [----] followers, [---] engagements
""In Python write code that draws a three-dimensional coordinate system with each axis x y z having [--] units on it. Place a point at (xyz) = (543) and point an arrow to it from the origin of the coordinate system. Show a text box that lets me type in an angle and a button. When I click the button the point should be rotated about the x-axis by that angle.""
[X Link](https://x.com/mariots/status/1703885814713762189) 2023-09-18T21:36Z [----] followers, [--] engagements
"I thought the tiny uncommented observations were the most insightful to understand how he operates. Like: Optimus and Raptor engine meetings are rambling affairs that can drift off into chatting about movies & where others need to pull him back to an agenda. (Honestly we should all aspire to have more of those meetings.) Or the guy clearly has insanely high energy but the book is also full of stuff like "he recently rewatched The Life of Brian & joked about it" endless video gaming stories & trips to roadside diners so the famed [---] hrs work week is peak not average. (So he's human after"
[X Link](https://x.com/mariots/status/1708586352131084353) 2023-10-01T20:55Z [----] followers, [----] engagements
"10 years ago the first-ever open enrollment period for the Affordable Care Act opened. Here is an interesting chart: the number of insurers that entered the ACA as startups that are still around. (Not even counting all the nationals that chickened out in 2016-17 and crept back in later on.) Congratulations to @OscarHealth @CmtyHlthOptns @CGHealthcare & Mountain Health Coop we made it"
[X Link](https://x.com/mariots/status/1712621818803040638) 2023-10-13T00:10Z [----] followers, [----] engagements
"The weird thing about the employers' role is that this is the last remnant of the ancient form of paternalistic US capitalism - GM doesn't build apartments for its workers anymore IBM doesn't invest your paycheck in the stocks that its pension fund managers like anymore but somehow some guy in HR is asked to run a huge quasi-health insurer and think about how to save money on women's NICU babies. An alternative: @mcuban go to HCA or Methodist or THR or Baylor in Dallas and ask them to create an off-exchange ACA plan that uses @costplusdrugs and other tech components to run a lean insurer;"
[X Link](https://x.com/mariots/status/1725186167887237621) 2023-11-16T16:16Z [----] followers, [----] engagements
"We have a standard set of internal healthcare processes that we benchmark language models against using internal data: note-taking in member services calls parsing medical records and clinical form structuring. We ran those through GPT-4 Turbo. OpenAI models continue to perform the best below are some excerpts. (Thanks @bradlightcap) More here and on the Oscar Continuous Hackathon:"
[X Link](https://x.com/mariots/status/1727056262582403267) 2023-11-21T20:07Z [----] followers, 10.5K engagements
"@rikrenard No they'll figure it out"
[X Link](https://x.com/mariots/status/1727080221646672159) 2023-11-21T21:43Z [----] followers, [---] engagements
"@nixcraft I see your Turbo Pascal and I raise you one Modula-2 (same guy Niklaus Wirth there were German computer science departments that still taught this in the late 90s believe it or not)"
[X Link](https://x.com/mariots/status/1730710845510840322) 2023-12-01T22:09Z [----] followers, [---] engagements
"Amazing that a guy who lived in the third century BC knew almost as much about the previous [----] years of Egyptian history as we know today"
[X Link](https://x.com/mariots/status/1737882246663549177) 2023-12-21T17:06Z [----] followers, [---] engagements
"Went to Egypt this summer with the family Biggest surprise was that Roman buildings are mostly ruins (except for Pantheon and some others) but Egyptian tombs are insanely well preserved. Probably because a) sand and b) Napoleon (most of this stuff was buried until he came and he did a good job in seriously excavating it)"
[X Link](https://x.com/mariots/status/1737896358395236404) 2023-12-21T18:02Z [----] followers, [--] engagements
"@healthcareandy It's also stupid bc you're going to pay it right back in increased healthcare costs: as everyone knows U.S. healthcare is insanely expensive as % of GDP; but it falls into the middle of the pack if you add up social and health spending. Skimp on one pay more for the other"
[X Link](https://x.com/anyuser/status/1739400264757711214) 2023-12-25T21:38Z [--] followers, [---] engagements
"@zachweinberg You're right of course. Though I'll point out that his supporters surely immediately assume he must be talking about a magnet heated to its Curie temperature at [---] Celsius at a pressure of [---] bar to prevent the water from turning to steam"
[X Link](https://x.com/mariots/status/1744095834721882254) 2024-01-07T20:37Z [----] followers, [---] engagements
"(1/3) Because the OpenAI GPT Store is launching this week lets talk about AI alignment in the context of custom GPTs. I suspected this environment wont stay the way it is for long because it is so weird: you have one prompt to control code execution. Whereas in an LLM agent setup or in OpenAIs Assistant API or in system designs like graph-of-thought it would usually be the other way around: youre invoking the LLM from within code and only sometimes invoking code from within the LLM so you have a lot more control over the flow. Hence programming a custom GPT to me feels like a weird mix of"
[X Link](https://x.com/anyuser/status/1744398292799062413) 2024-01-08T16:38Z [--] followers, [---] engagements
"(continued) - If you cant sequence in code use thought-of-chain: The longer you play the more quickly ChatGPT will just start to lose the thread - meaning it will deviate from the 9-step game loop like telling you that you successfully did an action but forgetting to update it in Python. The maneuver that finally did the trick for me is what you might call thought-of-chain: like in chain-of-thought - where telling the LLM to essentially use a scratchpad - you tell it to tell itself which step in the process it is in. This is surprisingly effective Simply by telling it the following you force"
[X Link](https://x.com/mariots/status/1744404127872917704) 2024-01-08T17:02Z [----] followers, [---] engagements
"@adamrenklint @Pitch Double hats off to the few who raised large sums in ZIRP and resisted the desire to invest it. But absolutely hats off to you guys for facing the music so radically to keep building a viable and useful company"
[X Link](https://x.com/mariots/status/1744804113714381089) 2024-01-09T19:31Z [----] followers, [----] engagements
"Jrgen Klopp leaving shows that perhaps it's better to do something incredibly intense leave it all on the field do it well and then do something else before you lose your touch. What a guy. I still saw him play in Mainz as a striker (3:0 vs SV Meppen Saison 96/97) A message to Liverpool supporters from Jrgen Klopp. https://t.co/l7rtmxgOzt A message to Liverpool supporters from Jrgen Klopp. https://t.co/l7rtmxgOzt"
[X Link](https://x.com/mariots/status/1750892089813221735) 2024-01-26T14:42Z [----] followers, [----] engagements
"@abemurray Psycho. Approximately 3.000% of my life has been spent deleting the superfluous spaces typed by your kind of two-spacers"
[X Link](https://x.com/mariots/status/1753029224888258906) 2024-02-01T12:15Z [----] followers, [---] engagements
"Two insane technologies of our lifetime in the same video: 1) I built an equation tutor using @OpenAI GPT-4V with my son and 2) am using it with the @Apple Vision Pro in our kitchen"
[X Link](https://x.com/mariots/status/1755771532570190073) 2024-02-09T01:52Z [----] followers, [----] engagements
"2024 guidance is for a profitable company 40% revenue growth with [--] NPS (vs industry average 3) in a healthcare segment at the cusp of further breakout (individual coverage now 21M people) all on completely inhouse tech. I'm not aware of any other insurance startup in the world at this scale and this level of profitability. So it's not a question of turnaround anymore it is a question of a) continuing to run that playbook for profitable growth and b) growing segments like our +Oscar tech and individualization of employer coverage (ICHRA)"
[X Link](https://x.com/mariots/status/1756348773536616813) 2024-02-10T16:05Z [----] followers, [---] engagements
"The best thing about Trump's recent reminiscing about how he told a Euro country's president at a NATO summit that he'd encourage Russia to attack him if he doesn't pay up is that I'm 90% sure it's really just Trump's memory of watching this gem on TV:"
[X Link](https://x.com/mariots/status/1756799314553082284) 2024-02-11T21:56Z [----] followers, [---] engagements
"The "funniest" thing about the United hack is that United the insurance company isn't even impacted because. they aren't using their own systems. That should be the dictionary entry under "opposite of dogfooding""
[X Link](https://x.com/mariots/status/1762833805684121622) 2024-02-28T13:35Z [----] followers, [----] engagements
"In principle ACA risk adjustment is designed to account for this by making an insurer indifferent to the clinical makeup of their population. In practice because risk adjustment relies on diagnostic information and risk of HIV contraction is not a diagnosis (it is prescribed to prevent the diagnosis from ever happening) it was excluded from risk adjustment - so one of the places we really needed risk adjustment it didnt apply. Therefore Oscar was uniquely affected by the increasing PrEP spend relative to our competitors. In the ACA where many people now can get highly subsidized $0/month"
[X Link](https://x.com/mariots/status/1765143411810513263) 2024-03-05T22:32Z [----] followers, [----] engagements
"Awesome that @OpenAI is constantly evolving their models. It leads to periods of weird behavior though. Right now an odd amount of GPT-4 output randomness has crept in at temperature=0. Consider this prompt (see image): it instructs the LLM to execute cellular automata rules on an input string with some tags to help it stay oriented. Run it [--] times with temperature=0 and model gpt-4-0125-preview and you get the output below. There are two "stable" solutions it oscillates between. Both of those are fine (it's asked to move a 3-bit window over a bit string so it sometimes decides to copy over"
[X Link](https://x.com/mariots/status/1767324404118385134) 2024-03-11T22:59Z [----] followers, [----] engagements
"@TurnerNovak @Rock_Health Yeah it's weird. Maybe before [----] sharing healthcare data was such an abstract concept that nobody could imagine it Or maybe this is the "Bill Gates put microchips in the COVID vaccine" effect"
[X Link](https://x.com/mariots/status/1770119539734303134) 2024-03-19T16:06Z [----] followers, [---] engagements
"My personal AI assistant device era is not off to a particularly smooth start"
[X Link](https://x.com/mariots/status/1786106343708828011) 2024-05-02T18:51Z [----] followers, [----] engagements
"Interesting chart from the Oscar Knowledge Management team: scatter plot per Oscar care guide showing first-call resolution (FCR) vs. the agent's use of our knowledge management system (looking up policies etc.). There is a correlation but it's not big enough. Suggests that it's still too difficult to look up knowledge quickly and on the fly while in a conversation. Good use case we have in LLM experimentation at the moment (more soon)"
[X Link](https://x.com/mariots/status/1788279775427014916) 2024-05-08T18:48Z [----] followers, [----] engagements
"Start a US company & you're NewCo Inc (Incorporated). Start a German company & you're NewCo GmbH & Co KG (Gesellschaft mit beschrnkter Haftung und Companie Kommanditgesellschaft). That alone might explain lower German startup activity it just takes so much longer to pronounce"
[X Link](https://x.com/mariots/status/1790420830624604563) 2024-05-14T16:36Z [----] followers, [----] engagements
"(1/28) Last year the discovery of a supposed room-temperature superconductor blew everyone's minds. That didn't work out but the math behind superconductors is very interesting and a grand tour of 20th century physics. Lets find out how it works with equations. Even the Higgs mechanism of Higgs boson (or "god particle") fame makes an appearance but in a different way than usual. In case someone discovers a new room-temperature superconductor this summer you'll be ready to weigh in. (all illustrations drawn with @OpenAI ChatGPT and @tldraw) Here is what we need: [--] - From quantum mechanics to"
[X Link](https://x.com/mariots/status/1791447488399876510) 2024-05-17T12:35Z [----] followers, [----] engagements
"@PalmerLuckey @ModRetroHub @GameStop @Tetris_Official @KossHeadphones Love it & pre-ordered"
[X Link](https://x.com/mariots/status/1797771102632227059) 2024-06-03T23:23Z [----] followers, [---] engagements
"Fun fact: before hedge fund & Trump @BillAckman published a Super Nintendo game. Yours for $40 on eBay https://www.ebay.com/itm/166872413475 https://www.ebay.com/itm/166872413475"
[X Link](https://x.com/mariots/status/1813863411035545808) 2024-07-18T09:08Z [----] followers, [---] engagements
"@ylecun @elonmusk @erikbryn Also it IS possible for a highly developed economy to reduce its government debt load without choking itself off. Belgium did it in the 1990s and went from 130% debt to GDP down to 85% (before going back up after the financial crisis). Not a reason to freak out"
[X Link](https://x.com/mariots/status/1816826773184872573) 2024-07-26T13:23Z [----] followers, [----] engagements
"@molly0xFFF It is going to put the (bizarrely large) overlap between Trump fanboys and crypto fanboys in a real pickle in how they should feel about the Fed cutting rates before the election"
[X Link](https://x.com/mariots/status/1817426760973103581) 2024-07-28T05:08Z [----] followers, [---] engagements
"The IPO Window is Fake by @Crubenfeld: well said https://open.substack.com/pub/charlesrubenfeld/p/the-ipo-window-is-fake https://open.substack.com/pub/charlesrubenfeld/p/the-ipo-window-is-fake"
[X Link](https://x.com/mariots/status/1828022617187791256) 2024-08-26T10:52Z [----] followers, [---] engagements
"@VitalikButerin @karpathy It is in fact such a great crypto use case that it's swung into a data point that crypto will never be truly useful because despite the obvious utility of these micro-transactions exactly zero useful practical & impactful examples have emerged after 10+ years"
[X Link](https://x.com/mariots/status/1829567944139194423) 2024-08-30T17:12Z [----] followers, [---] engagements
"New use case for LLM coding: bringing vintage video games back to life. I bought a [----] Japanese video game magazine in Akihabara in Tokyo (this is "Family Computer Magazine"). Back then magazines often included code for games you could type in (@elonmusk had a video game published that way). I didn't even know what system this code was for. But an LLM does: turns out this is MSX BASIC and easier than trying to find an emulator for that here is the Claude Artifact that lets you play a version of it in React auto-converted straight from the BASIC code in the [----] magazine"
[X Link](https://x.com/mariots/status/1829951357605814656) 2024-08-31T18:36Z [----] followers, [----] engagements
"@erenbali The more interesting question is whether non-engineers can now do useful engineering work. Perhaps an analog: feels like DAWs like Ableton enabled musicians that wouldn't exist otherwise. In a non-DAW world Avicii & Kygo wouldn't have become classical pianists or something"
[X Link](https://x.com/mariots/status/1831479244750454917) 2024-09-04T23:47Z [----] followers, [---] engagements
"@touraj Excellent analogy. Same with Franco in Spain Salazar in Portugal etc. All of those had eager intellectuals build bullshit rationalizations around them. Also what a great data point that @naval's bumper sticker wisdoms were yet another zero interest rate phenomenon"
[X Link](https://x.com/mariots/status/1832407002393321575) 2024-09-07T13:14Z [----] followers, [---] engagements
"Oh and finally: I don't even know if the guy is in his heart of heart racist or Confederate-curious or just a very hospitable gentleman of the old school whose tent is big enough for everyone or just really really egalitarian. Whatever. What DOES come incredibly clearly out of this video is that he is a petulant man child who cannot lose an argument for whom crowd sizes are more important than kindergarten sizes and who will get others to get stuck with his bills (like you having to explain his bullshit)"
[X Link](https://x.com/mariots/status/1832442721857917046) 2024-09-07T15:36Z [----] followers, [---] engagements
"@mcuban @KamalaHarris It's also stupid for a country that already has the world's most diversified economy & best capital markets to raise money for non-commodity investments"
[X Link](https://x.com/mariots/status/1832451390435647979) 2024-09-07T16:10Z [----] followers, [---] engagements
"On the technical side this does the following: - One call to GPT-4o generates a themes materials - Code generates the data structure of crafting combinations - Another call to GPT-4o fills the data structure with content for all the craftable objects and it writes the image descriptions for each object - A call to @FAL SDXL-Turbo model generates [--] images for each material and object - A multimodal call to GPT-4o selects the best image for each object (this is a novel way to use multimodal models as creative director for graphics). Below is a neat example (for [--] objects of the theme World War"
[X Link](https://x.com/mariots/status/1833600817385115792) 2024-09-10T20:17Z [----] followers, [---] engagements
"@levie And yet you can still earn an astounding surefire [--] cents on the dollar by betting on Kamala on the presidential election winner market. So it's more like Nvidia [----] than Nvidia 2024"
[X Link](https://x.com/mariots/status/1833688335849521426) 2024-09-11T02:05Z [----] followers, [----] engagements
"This is both a fun and impressive use case for @OpenAI o1: optimizing game economies. In a prior life friends of mine and I created Brazil's most popular game Mini Fazenda. You start with a few plots of land buy crops to grow on each harvest the crops a few minutes later and sell them for more coins then level up. Let's ask o1 to simulate and design that game economy. 1/7"
[X Link](https://x.com/mariots/status/1834642986258645121) 2024-09-13T17:19Z [----] followers, [---] engagements
"Then it simulates the day-by-day player behavior and even picks changing strategies for the player in terms of crop selection keeping track of all the numbers. 3/7"
[X Link](https://x.com/mariots/status/1834642991925146056) 2024-09-13T17:19Z [----] followers, [--] engagements
"After a week it has [--] gold coins and upgraded to having bought another plot of land. 4/7"
[X Link](https://x.com/mariots/status/1834642994592465324) 2024-09-13T17:19Z [----] followers, [--] engagements
"Compare that to 4o which writes code to help itself (something o1 can't do yet) and then goes bankrupt. 5/7"
[X Link](https://x.com/mariots/status/1834642998149144615) 2024-09-13T17:19Z [----] followers, [--] engagements
"To be fair o1 also blows it right here but it's a more subtle mistake: on day [--] of the simulation see how it manages to turn [---] gold into [--] gold - because it doesn't realize it's subtracting the cost of crops twice: first it subtracts the cost of [--] coins to buy crops from the [---] starting gold and then it only adds the net profit to that calculation rather than the gross profit. But it's a much cleaner way longer and better effort overall. 6/7"
[X Link](https://x.com/mariots/status/1834643000766742691) 2024-09-13T17:19Z [----] followers, [---] engagements
"On detecting fraud waste and abuse: Detecting FWA is critical in healthcare to avoid excess costs. We leverage GPT-4o prototypes to detect common FWA schemes but that requires manual rule sets. Our observations on o1-preview show that it autonomously navigates data sources to identify FWA signals and provides thorough explanations. For example it successfully identified 'incident-to billing' violations flagging discrepancies in provider signatures. 4/6"
[X Link](https://x.com/mariots/status/1834732386590105816) 2024-09-13T23:14Z [----] followers, [----] engagements
"The @elonmusk statement is a very common misunderstanding & bad argument. The highest xenophobia and fear of immigration tend to be in places with the lowest actual share of immigrants. Look at this map of Germany. Left: share of persons with a migrant background. Right: share of AfD votes (the German right-wing populist party). It is almost an exact inverse. Those who have never seen a migrant are most afraid of them"
[X Link](https://x.com/mariots/status/1837594714108801337) 2024-09-21T20:48Z [----] followers, [----] engagements
"@abemurray [--] years at business school were a great time to do some coding and start some companies though (what was your ahead-of-its-time Google Doc called again)"
[X Link](https://x.com/mariots/status/1840708638844797241) 2024-09-30T11:01Z [----] followers, [---] engagements
"I find it stunning and surprising how little one's IQ has to do with one's humanity. Mao was a voracious reader; Syria's Hafez Assad was an excellent student winning several prizes at young age; Stalin had an eidetic memory; Cambodia's Khmer Rouge were all French-trained engineers. No correlation there. Smart & evil is the worst combination of all"
[X Link](https://x.com/mariots/status/1841306602785149416) 2024-10-02T02:37Z [----] followers, [----] engagements
"JD "von Hindenburg" Vance: he may be America's Hitler - but he's MY Hitler https://www.politico.com/news/2024/10/02/jack-smith-trump-court-filing-election-00182235 https://www.politico.com/news/2024/10/02/jack-smith-trump-court-filing-election-00182235"
[X Link](https://x.com/mariots/status/1841816286130470920) 2024-10-03T12:23Z [----] followers, [---] engagements
"@erenbali This was the number one played song in my high school class and I only just realized the guy was born in Germany: https://youtu.be/cpp69ghR1IMsi=wOhohQ6Uq5oLqKt9 https://youtu.be/cpp69ghR1IMsi=wOhohQ6Uq5oLqKt9"
[X Link](https://x.com/mariots/status/1843039196677812424) 2024-10-06T21:22Z [----] followers, [---] engagements
"@artemon @Austen I think it creates a direct to consumer channel where the best experience & value for money can win because consumers buy directly. So physician search becomes risk management lead gen etc. The economics of brokered sales to HR departments can shift into consumer channels"
[X Link](https://x.com/mariots/status/1843682916557365667) 2024-10-08T16:00Z [----] followers, [---] engagements
"@sidviswanathan @Alchemy_rx @a16z @MagicJohnson @sherylsandberg Great work"
[X Link](https://x.com/mariots/status/1846320328597033120) 2024-10-15T22:40Z [----] followers, [--] engagements
"@erenbali True story: I was once on a business trip on the west coast saw my first ever Paris Baguette store & thought it was an actual rare and fancy bakery from Paris. Bought a cake & carried it all the way back to the family on a redeye. Then noticed there are [---] other PBs in the US"
[X Link](https://x.com/mariots/status/1846678125771452650) 2024-10-16T22:22Z [----] followers, [---] engagements
"I wonder if betting markets are becoming the new Google Flu Trends: they worked only as long as nobody was really watching. A Schroedinger's Cat Election kind of thing"
[X Link](https://x.com/mariots/status/1846986761182105636) 2024-10-17T18:48Z [----] followers, [----] engagements
"@natfriedman Finally got this bad boy off of eBay"
[X Link](https://x.com/mariots/status/1847258478466732283) 2024-10-18T12:48Z [----] followers, [----] engagements
"You are leaving out the much more important part of this: you needed to first get people convinced that completely incoherent ramblings are somehow indicative of leadership qualities or good policy ideas including smart people like you who would demand better from absolutely everyone else they deal with in life (like entrepreneurs pitching to you). If we collectively want a crude improv artist as a leader we should have Lorne Michaels at SNL cast him and forget about elections"
[X Link](https://x.com/mariots/status/1850184576997499215) 2024-10-26T14:35Z [----] followers, [---] engagements
"@RichardHanania Inspiring to hear the next president and the next White House press secretary discuss their views on "vaccine-derived polio""
[X Link](https://x.com/mariots/status/1850279121483636834) 2024-10-26T20:51Z [----] followers, [----] engagements
"@RichardHanania I still think this whole Trump campaign was one giant super clever piece of performance art and at the end Trump will rip off his mask and it was Dustin Hoffman all along or something like that. Through that lens it all makes sense"
[X Link](https://x.com/mariots/status/1852475980427792492) 2024-11-01T22:21Z [----] followers, [----] engagements
"I'm old enough to remember that Trump's odds on betting markets went above 80% on election night [----]. Even in the days after that they spiked back up. Sure they have more liquidity now. But Gamestop had a lot of liquidity too"
[X Link](https://x.com/mariots/status/1853968877064994892) 2024-11-06T01:13Z [----] followers, [----] engagements
"For all the (justified) angst about egomania & clinging to power getting in the way of good governance it is notable that the Supreme Court went right because a liberal didnt want to leave (RBG) and the presidency went right because a liberal didn't want to leave (Biden)"
[X Link](https://x.com/mariots/status/1856334539796124004) 2024-11-12T13:53Z [----] followers, [----] engagements
"Watch language models compete in a battle of design wits: check out our LLM Animator Arena. Type in a theme & it will ask @OpenAI o1 @deepseek_ai r1 and @AnthropicAI Claude to one-shot a creative animation in Javascript. "Mandelbrot set in 3D" (1/11) https://ai-animator-arena.replit.app/ https://ai-animator-arena.replit.app/"
[X Link](https://x.com/mariots/status/1889436050591723981) 2025-02-11T22:07Z [----] followers, [---] engagements
"3/11 "A sunflower field waving in the wind" @AnthropicAI Claude drawing like an expressionist o1 and r1 more business-like"
[X Link](https://x.com/mariots/status/1889436054840811773) 2025-02-11T22:07Z [----] followers, [--] engagements
"4/11 "Conway's Game of Life" All three LLMs actually code the cellular automaton correctly. Also fun: each one picks a different color I wonder what that says about each LLM's reinforcement learning"
[X Link](https://x.com/mariots/status/1889436056933519468) 2025-02-11T22:07Z [----] followers, [--] engagements
"@nikitabier Only problem with this from the business side: the period in between the arrival of that and the emergence of the AI just building better games without anyone telling it to might be very very short"
[X Link](https://x.com/mariots/status/1900207249806537205) 2025-03-13T15:28Z [----] followers, [---] engagements
"@annewoj23 You invented an entire industry and the individualization and personalization of healthcare has just started. I hope you stay firmly on that path we all need you"
[X Link](https://x.com/mariots/status/1904065832378073571) 2025-03-24T07:00Z [----] followers, [----] engagements
"Is Llama [--] better than Google Gemini Pro [---] or o3 Don't let the models practice to the test (benchmarks) instead ask them to paint cool stuff. Try it here: 1st: "Your emotions about your AI model existence" 2nd: "A Mandelbrot and a Julia set's baby" https://ai-animator-arena.replit.app/ https://ai-animator-arena.replit.app/"
[X Link](https://x.com/mariots/status/1909254457835085855) 2025-04-07T14:38Z [----] followers, [----] engagements
"The most impeccable market barometer over the past week really has been @DavidSacks. If you'd sold stocks every time he called the bottom you'd look like a genius. Truly the new @jimcramer"
[X Link](https://x.com/mariots/status/1910377904355135514) 2025-04-10T17:02Z [----] followers, [----] engagements
"I built an infinite zoom using AI upscalers. It takes any picture crops out the center upscales continues recursively then merges everything together. Super fun to run that in reverse. See at which point you can guess what this picture actually is from watching the reverse"
[X Link](https://x.com/mariots/status/1919063363050512586) 2025-05-04T16:15Z [----] followers, [---] engagements
"Central Park infinite zoom with a classical AI weirdness surprise at the end"
[X Link](https://x.com/mariots/status/1919065847785517313) 2025-05-04T16:25Z [----] followers, [---] engagements
"I personally checked a lot of their reserves and we proved a lot of those rumors wrong Hilariously worded endorsement of Tether's balance sheet by the son of the US commerce secretary. Well I guess it's fine as long as drug dealers and Russians are providing enough liquidity https://www.coindesk.com/consensus-toronto-2025-coverage/2025/05/14/cantor-fitzgerald-chairman-brandon-lutnick-says-he-personally-checked-tethers-reserves https://www.coindesk.com/consensus-toronto-2025-coverage/2025/05/14/cantor-fitzgerald-chairman-brandon-lutnick-says-he-personally-checked-tethers-reserves"
[X Link](https://x.com/mariots/status/1923371276346777835) 2025-05-16T13:33Z [----] followers, [---] engagements
"@chucky Thanks man When are you guys going public I see the chocolate everywhere these days"
[X Link](https://x.com/mariots/status/1930252956361793749) 2025-06-04T13:19Z [----] followers, [--] engagements
"@dp_oneill Excellent observation. In US healthcare if it isn't someone's immediate business model it won't happen. In most US healthcare segments 20% admin savings don't make enough of a difference to make them worth chasing. (In MA and ACA yes but MA was too poisoned with RA profits)"
[X Link](https://x.com/mariots/status/1934323346541543475) 2025-06-15T18:53Z [----] followers, [---] engagements
"@austin_rief That one was just a funny temporary value transfer I agree. The much less funny and permanent value transfer is Uber first putting lots of cabs out of business and then jacking up prices. They're a negative economic value add for society"
[X Link](https://x.com/mariots/status/1935127811741597937) 2025-06-18T00:09Z [----] followers, [----] engagements
"Weirdly this is maybe a market where regulation of supply works. similar argument in healthcare: great healthcare systems give private providers licenses AND then set the price for everyone (Switzerland). In a market like New York Uber extracted billions in economic rents for having introduced the idea of a car hailing app. which [--] months later even the yellow cabs had. Actually a very strange indictment of technology's impact in real life in that the efficiencies of algorithmically directing on-demand variable car supply never showed up anywhere"
[X Link](https://x.com/mariots/status/1935135082542489607) 2025-06-18T00:38Z [----] followers, [---] engagements
"Using Amazon's dumb customer service AI to chat about Amazon's dumb product AI (Astro the world's stupidest robot)"
[X Link](https://x.com/mariots/status/1935295856917311606) 2025-06-18T11:17Z [----] followers, [----] engagements
"We're probably all anxiously looking at maps of the Middle East these days. If you look south of Iran in the UAE you see one of the strangest polities on the globe the counter-enclave of Nahwa: - Oman has an enclave inside of the UAE (meaning Oman has a blob of territory that is entirely inside of the UAE) - But inside of that enclave the UAE has its own enclave (meaning the UAE has a blob of territory inside of that Oman-owned territory) In other words: an enclave is a disk of country A inside of country B but a counter-enclave is a ring of country A inside of country B"
[X Link](https://x.com/mariots/status/1936038036430573638) 2025-06-20T12:26Z [----] followers, [----] engagements
"A 2x2 matrix of countries that write left-to-right/right-to-left vs countries that drive on the right vs left side"
[X Link](https://x.com/mariots/status/1938274369664585827) 2025-06-26T16:33Z [----] followers, [----] engagements
"Superagent has to convert member questions into expectations of claims we would expect to see as a result of using care. Various sub-agents and our vast data on past claims deliver that. This "common (AI) sense" aspect of understanding healthcare is a crucial aspect of LLMs 4/5"
[X Link](https://x.com/mariots/status/1955700482363809848) 2025-08-13T18:38Z [----] followers, [----] engagements
"This is about more than efficiency: thinking through possible permutations that care journeys can take is just too complex for most of us. Not for an AI. Agents + high-tech Oscar systems of record + lots of data = future (96% correctness 93% completeness all manual answers). More here: https://www.hioscar.ai/blog/building-a-superagent-how-were-using-ai-to-explain-healthcare-faster https://www.hioscar.ai/blog/building-a-superagent-how-were-using-ai-to-explain-healthcare-faster"
[X Link](https://x.com/mariots/status/1955700485576688101) 2025-08-13T18:38Z [----] followers, [----] engagements
"@nikillinit Large employer plans are so laughably inefficient that any of those things you propose they do are a complete waste of effort. It's like celebrating that you haggled the guy in the Istanbul bazaar into giving you a 10% discount on that "authentic" leather jacket"
[X Link](https://x.com/mariots/status/1960461083292131689) 2025-08-26T21:55Z [----] followers, [----] engagements
"Vibe-coding in the enterprise: one of our security engineers vibe-coded a gamified employee tenure tool. Lots of software will be like this: some stable endpoints with lots of creative individualized apps on top. (nothing Workday could build would be more Oscar-like than this)"
[X Link](https://x.com/mariots/status/1960724706950295641) 2025-08-27T15:22Z [----] followers, [----] engagements
"@MikeWinterbauer The AI is no match for you. Raises the question though: when can we expect a new map from you Please"
[X Link](https://x.com/mariots/status/1961487922936373653) 2025-08-29T17:55Z [----] followers, [--] engagements
"@erenbali @monogram__ai @edouardtabet @akbal_m I love it. I wonder what will be your UI's Minesweeper"
[X Link](https://x.com/mariots/status/1973947107834044617) 2025-10-03T03:03Z [----] followers, [---] engagements
"Feels like the new LLM paper submission rate is slightly decelerating. Below is the # of papers per week on arxiv. I bet the launch of ChatGPT a) made teams write more papers quickly and b) made teams who were working on a paper rush to its launch so maybe things will slow down"
[X Link](https://x.com/mariots/status/1652439344236429314) 2023-04-29T22:26Z [----] followers, [---] engagements
"A persistent issue with LLMs is that while they generate next-best-token probabilities they don't currently generate "next-best-concept" probabilities - i.e. a degree of confidence in their general answer to a problem. It turns out that you can use the LLM itself to grade its own confidence (also studied for example in the recent @percyliang paper "Llamas Know What GPTs Don't Show"). We make similar observations in our claims explainer use case: when call-chaining GPT-4 to explain claims adjudication from detailed adjudication traces (see the first chart) GPT-4 can grade itself on the"
[X Link](https://x.com/mariots/status/1725596686133649870) 2023-11-17T19:28Z [----] followers, [----] engagements
"Excellent additions. And to be clear I am in no way defending the current system a lot of people have settled comfortably into its complexity. And the fact that insurers have kept rebates and discounts from large employers in the past is one of the many dumb things you get as a result of it. I just don't like these overly simplistic explanations people like to give for these issues like that video"
[X Link](https://x.com/mariots/status/1894208775529152940) 2025-02-25T02:12Z [----] followers, [---] engagements
"Of all economic value ever collectively and cumulatively produced by humanity since the year [--] AD the 20% threshold was passed in [----] by the US so Leo XIV got elected pope"
[X Link](https://x.com/mariots/status/1920661226419286034) 2025-05-09T02:04Z [----] followers, [---] engagements
"@CliffordAsness @BobEUnlimited Someone please create an index of hedge fund managers reacting prickly vs coolly to criticism"
[X Link](https://x.com/mariots/status/1989505578406916523) 2025-11-15T01:27Z [----] followers, [---] engagements
"@EvaVlaar I hear Moscow is nice this time of the year why don't you try that"
[X Link](https://x.com/mariots/status/2011524464480305470) 2026-01-14T19:42Z [----] followers, [----] engagements
"@shaunmmaguire The childish simplicity and stupid vacuousness with which you perceive the world around you astonishes me"
[X Link](https://x.com/mariots/status/2015536556308582582) 2026-01-25T21:25Z [----] followers, [----] engagements
"@Birdyword And this is just the price in USD. Much worse in other currencies or gold terms"
[X Link](https://x.com/mariots/status/2016972390937350215) 2026-01-29T20:31Z [----] followers, [----] engagements
"@elonmusk The fact that electrons have spin up and down and effectively are alien visitors from a two-dimensional space also follows directly from symmetry via special relativity and group theory https://x.com/i/status/1709189266805285134 (Part 1/3) A spinor is the most basic mathematical object that can be Lorentz-transformed: Obscure sentence that shows how a huge chunk of how our universe works emerges from very little. Three ingredients necessary to explain: special relativity + group theory + light https://t.co/1maCvju7H7 https://x.com/i/status/1709189266805285134 (Part 1/3) A spinor is"
[X Link](https://x.com/mariots/status/2022355271671287991) 2026-02-13T17:00Z [----] followers, [---] engagements
"@pickover If this was the complex plane the vector would be a + i b and its length would be a2 + b2 not a2 + (ib)2"
[X Link](https://x.com/mariots/status/1465503712915382272) 2021-11-30T02:11Z [----] followers, [--] engagements
"Full view of Oscar's code base. Most proud of the Prolog code"
[X Link](https://x.com/mariots/status/1489991426058469382) 2022-02-05T15:56Z [----] followers, [--] engagements
"@chrissyfarr One of our first investors tried to fire us when we said we want to do subway ads. But it's harder to build trust for someone's offline life with online ads and a lot of healthcare still happens offline. So it worked for us. (We still do it outside of NY state)"
[X Link](https://x.com/mariots/status/1501717133704798218) 2022-03-10T00:30Z [----] followers, [--] engagements
"@micsolana Weren't you guys the ones who were all about being free speech maximalists Has that position gotten inconvenient"
[X Link](https://x.com/mariots/status/1516414832425242633) 2022-04-19T13:54Z [----] followers, [--] engagements
"@nntaleb Jeff Bezos actually had a good quote on this one that has some merit: "I reserve the right to change my mind even in the absence of any new facts""
[X Link](https://x.com/mariots/status/1521603659578187776) 2022-05-03T21:32Z [----] followers, [--] engagements
"Good to remember that hospital EHR adoption really isn't very old at all (chart below has % hospitals with EHR). If you look at it this way EHRs being widely used at hospitals are a more recent innovation than bitcoin"
[X Link](https://x.com/mariots/status/1526391676788527104) 2022-05-17T02:38Z [----] followers, [--] engagements
"@pickover Any natural phenomenon where repeated independent tries occur with same probability creates a normal distribution. Best way to visualize that physically: the Galton Board or quincunx - balls falling from the top down sequential left/right junctions"
[X Link](https://x.com/mariots/status/1530971057015992320) 2022-05-29T17:55Z [----] followers, [---] engagements
"@APompliano @wclemente Right because if you light a hundred dollar bill on fire the ashes are worth $100. I have an urn to sell you"
[X Link](https://x.com/mariots/status/1537962004702343170) 2022-06-18T00:54Z [----] followers, [--] engagements
"@MarkGaleotti The other place where that is clearly going on is Fox News. Entire homepage devoid of any Ukraine/Russia mention. And because consistency in ideology isn't their strength either they do have a headline complaining about European withdrawals from Mali & ISIS"
[X Link](https://x.com/mariots/status/1568996062311882754) 2022-09-11T16:13Z [----] followers, [--] engagements
"@erenbali Baillie Gifford great investor said to us: in their 100+ yr experience best stock performance short-term driven by business results medium-term by highest product NPS long-term by best organization culture"
[X Link](https://x.com/mariots/status/1576603028144070656) 2022-10-02T16:00Z [----] followers, [---] engagements
".@getpeid Massive fan"
[X Link](https://x.com/mariots/status/1576622470156922880) 2022-10-02T17:17Z [----] followers, [---] engagements
"@JennaEllisEsq @RealMarkFinchem @elonmusk That's the guy who complained that his website wasn't showing up in Google when he had a noindex directive in his site. So my advice here would be to maybe first check if his computer is turned on"
[X Link](https://x.com/mariots/status/1587261659940364288) 2022-11-01T01:54Z [----] followers, [--] engagements
"We've reached peak HLTH vendor spam I just got this: "Lets talk about the health of your critical data fax capabilities at HLTH""
[X Link](https://x.com/mariots/status/1590837819194449940) 2022-11-10T22:44Z [----] followers, [--] engagements
"@toxvaerd1 The Lagrangian density of the electromagnetic field with F the field tensor and the greek symbols the Einstein summation notation (just means they run from [--] to 3)"
[X Link](https://x.com/mariots/status/1602392452161208326) 2022-12-12T19:58Z [----] followers, [---] engagements
"@alexandr_wang I used to think it's bad that videogames train kids on infinite iterations (save games & do over if you die). I think my kids' exec functioning is worse bc of that. However Post-transformer creation is all about costless iteration so maybe this is actually the future"
[X Link](https://x.com/mariots/status/1607093615855116289) 2022-12-25T19:19Z [----] followers, 33.4K engagements
"@nntaleb @jordanbpeterson @lexfridman Life would be better if we all adopted this as Peterson's 13th rule for life: "Peterson you idiot stay out of this""
[X Link](https://x.com/mariots/status/1609911657165119488) 2023-01-02T13:57Z [----] followers, 68.3K engagements
"@gdb The median speaker in meetings we record says [---] tokens/minute so you get almost [--] hours of spoken human dialog without any indexing/chaining/. great stuff"
[X Link](https://x.com/mariots/status/1635691910844100627) 2023-03-14T17:18Z [----] followers, 24.5K engagements
"@LinusEkenstam This is an adventure game that uses GPT-4 to give itself formal structure and then executes the game. GPT-3 tended to get confused with it GPT-4 does it impeccably well"
[X Link](https://x.com/mariots/status/1635824794233913344) 2023-03-15T02:06Z [----] followers, 190.2K engagements
"@DavidSacks This is a very well-known consequence of the fact that the non-farm payrolls report comes from a different survey than the unemployment report. Hedge funds traders economists know this. It says that on page 1: "This news release presents statistics from two monthly surveys.""
[X Link](https://x.com/mariots/status/1665092737912193028) 2023-06-03T20:26Z [----] followers, 59.3K engagements
"@Churchill198400 @DavidSacks Those two surveys have a decades-long history of co-existing in ways that are extremely well-understood. We live in an economy of [--] trillion dollars. Sure it's complex to measure unemployment. Has never really mattered beyond small short-term deviations"
[X Link](https://x.com/mariots/status/1665095669223129088) 2023-06-03T20:38Z [----] followers, [----] engagements
"@erenbali The best way to name rooms is "15 Min" "An Hour" "Next Year" because then people can say things like "let's meet in [--] Min" and "let's use Next Year" and meetings are fun again"
[X Link](https://x.com/mariots/status/1666546131667501057) 2023-06-07T20:42Z [----] followers, 30.3K engagements
"@buccocapital To be fair I think @RobertKennedyJr meant midichlorians not mitochondria"
[X Link](https://x.com/mariots/status/1670792853495197703) 2023-06-19T13:57Z [----] followers, [----] engagements
"We @OscarHealth are publishing our use cases prototypes ideas & research notes on using LLMs in healthcare. AI research moves too fast for companies to do this work behind closed doors so were sharing ours for others to read & comment: 1/ http://oscarai.notion.site http://oscarai.notion.site"
[X Link](https://x.com/mariots/status/1674138921574322182) 2023-06-28T19:33Z [----] followers, 100.8K engagements
"@DavidSacks 1) Interview is in German (which I speak) & you're badly mangling his words: 1) frontal massed attacks didn't work 2) Ukraine already switched & is having success now 3) more long-range weapons will significantly tilt balance. Also Reisner is a favorite to quote on Russian TV"
[X Link](https://x.com/mariots/status/1676987080767938560) 2023-07-06T16:10Z [----] followers, 10.3K engagements
"@DavidSacks But keep tweeting your takes you're around [---] putinophile tweets away from that Japanese soldier who hid in the jungle after WWII and was the last one to realize they'd lost"
[X Link](https://x.com/mariots/status/1676987805564641280) 2023-07-06T16:13Z [----] followers, [----] engagements
"@zebulgar Don't disagree w your point. But that chart has weird issues. Better to look at it in PPP. Also ppl under-appreciate how much population growth matters for GDP. US still better in GDP per capita (= best intuition for how rich country feels) but way better in pop growth"
[X Link](https://x.com/mariots/status/1681687156454989824) 2023-07-19T15:27Z [----] followers, [----] engagements
"Remarkable; but you also need this perspective: That bridge improvement supports a much larger economic multiplier than in [----]. Look at it in % nominal GDP: the bridge cost 0.037% of nominal GDP back then (inflation-unadjusted). Those nets cost 0.000002% of GDP today. We spend more but we also generate more. Nets builders buy more dishwashers today with their salaries than the guys in [----]. Can't really look at those two independently"
[X Link](https://x.com/mariots/status/1700506544931000450) 2023-09-09T13:48Z [----] followers, 31.2K engagements
"@PhysInHistory First: Klein-Gordon [---] Second: Riemann in 4D"
[X Link](https://x.com/mariots/status/1701012504326136304) 2023-09-10T23:19Z [----] followers, 12.7K engagements
"@toly @DavidSacks @TheStudyofWar Why do you think @davidsacks is piping up Probably picking up on discomfort from his Eastern friends who urgently need to buy some time. After all can't happen every day to lose a ship to a country without a navy. (Actually HAS recently happened every day.)"
[X Link](https://x.com/mariots/status/1703542889785991597) 2023-09-17T22:54Z [----] followers, [----] engagements
"The Oscar Medical Group (the virtual primary care group that operates our virtual care plan designs) has been using GPT-summarized lab test results for a few months. When lab results come back the Oscar EHR creates an automatic summary. Some learnings: when it comes to the summary provider behavior is fairly binary - either they delete the summary entirely or they make minimal changes. When it comes to the patient follow-up instructions providers tend to modify the AI-written summary a lot more - either to add personal style or to add context that the AI was missing. (Lots more context we can"
[X Link](https://x.com/mariots/status/1714779433184170494) 2023-10-18T23:04Z [----] followers, [----] engagements
"One of the more counterintuitive issues in U.S. healthcare is insurers explaining claims denials to providers. Counterintuitive because in theory claims adjudication is 100% deterministic so there should be no doubt about exactly why a particular claim didn't get paid. In practice it is very difficult to parse raw claims system output and then explain it in a human-understandable way. So we created a GPT-4-based claims payment explainer. Here is more detail on how we built it: First Oscar built its own claims system over many years. The system is based on our own domain-specific languages to"
[X Link](https://x.com/mariots/status/1715137351456899377) 2023-10-19T22:46Z [----] followers, 16K engagements
"Same is true for you buddy. At least @Osinttechnical a) tries to get it right & isn't afraid to admit when he's off and b) appears to be generally on the side of those appreciating human civilization not the kind of nihilists whose bidding you too often seem to do whether deliberately or not"
[X Link](https://x.com/mariots/status/1716176943479980284) 2023-10-22T19:37Z [----] followers, 16.1K engagements
"Generally true. With one big caveat: you seem to say employers are the solution. In fact employers are by far the biggest enabler of this rent-seeking system. We're asking the least quantitative people in any organization to manage healthcare costs. On a more or less random and constantly overturning population. It's like telling your engineering team that some centralized non-technical procurement team will now select their programming languages tools and libraries. (Actually that is how corporate software often works and precisely the reason why Workday and Concur are such terrible pieces"
[X Link](https://x.com/anyuser/status/1725145861842158041) 2023-11-16T13:36Z [----] followers, 17.3K engagements
"The fourth law of thermodynamics: when health insurers run out of ideas they start merging with other health insurers"
[X Link](https://x.com/mariots/status/1730576493279871417) 2023-12-01T13:16Z [----] followers, [----] engagements
"This is exactly right. @vkhosla and @SamirKaul1 invested in Oscar [--] years ago and Vinod still shows up with a day notice at the office to quiz us on when AI is finally going to reduce our healthcare costs by 90% & offers to brainstorm. Legend. Thanks https://www.theinformation.com/articles/vinod-khosla-can-see-the-future-it-just-got-hazy-for-a-minute https://www.theinformation.com/articles/vinod-khosla-can-see-the-future-it-just-got-hazy-for-a-minute"
[X Link](https://x.com/mariots/status/1730647089250472130) 2023-12-01T17:56Z [----] followers, 107K engagements
"Not that anyone is going public any time soon but here is an important post-IPO learning that I bet most founders underestimate: turnover. Here is a chart of Oscar voluntary turnover vs the Oscar stock price (now back at $8.41 I think one of the best-performing healthcare stocks this year to date). [--] months after the IPO turnover went up by 2-3x. (This is the whole company so includes member services ops etc.) Our stock price journey was particularly painful so I don't know what this looks like if a stock just goes up. But anecdotally many people who left after the IPO still loved the company"
[X Link](https://x.com/anyuser/status/1731012305045921842) 2023-12-02T18:07Z [----] followers, 18.8K engagements
"The [----] Medicare Advantage enrollment period is the first time that the number of people turning [--] every year is stagnating and from now on will only go sideways/down. (Medicare Advantage for 65+ has been the biggest profit drivers for most health insurers for the past [--] years.) So that annual second derivative boost is gone. Also funny how the number of MA plans available per potential customer was flat since [----] but then doubled in [----] because all insurers jumped in - right before the leveling-off was going to set in"
[X Link](https://x.com/mariots/status/1732172267772142071) 2023-12-05T22:57Z [----] followers, 39.3K engagements
"Large-scale AI models are a once-in-a-generation opportunity to improve healthcare. [--] of the most forward-thinking payers and providers got together to figure out how we leverage frontier AI models to drive the change we want to see in healthcare. Here are our commitments: @AllinaHealth @BassettNetwork @BostonChildrens @CuraiHQ @CVSHealth @DevotedHealth @DukeHealth @emoryhealthcare @EndeavorWNY @MHealthFairview @GeisingerHealth @HMHNewJersey @Health_First @MethodistHosp @johnmuirhealth @KeckMedicineUSC @mainlinehealth @MassGenBrigham @MedUnivSC @OscarHealth @OSFHealthCare @premera"
[X Link](https://x.com/anyuser/status/1735361631809409301) 2023-12-14T18:10Z [----] followers, 59.4K engagements
"Here is another iteration of our LLM-based claims denial explainer. The root cause of claim denials can be notoriously intractable to understand for providers causing unnecessary friction and overhead in the healthcare system. We created Ocebot a system that uses GPT-4 to explain claim denials based on execution traces from the claims system we built at Oscar (called Ocelot). When we take the detailed output from Ocelot and feed it into GPT-4 it is able to explain what drove a claim denial but only for simple claims. Previously we improved on this performance by starting out with a "skeleton"
[X Link](https://x.com/mariots/status/1736923311974556079) 2023-12-19T01:36Z [----] followers, 57.5K engagements
"In the category of "everybody knows this but every time you look at it it's still insane": price per colonoscopy in various Oscar markets. Always stunning how much higher outpatient prices are vs ambulatory surgery centers. But what's even more interesting is how ambulatory surgery centers actually seem to exhibit some characteristics of an open market: way lower price variation for one. (This kind of data used to be guarded jealously by insurers now you can just piece it together yourself from the cost transparency files we all have to generate. Great progress and we've only begun to see the"
[X Link](https://x.com/mariots/status/1737488502122586129) 2023-12-20T15:01Z [----] followers, 14.9K engagements
"This article in the New York Times about record enrollment in the ACA has a photo of an enrollment kiosk from Las Madrinas ("the godmothers"). There is an incredible story here. Odalys and Mercy the two founders were individual AIG life insurance agents in Miami. They realized that Obamacare would enable them to get their clients health insurance coverage for the first time. So over just [--] years they built a juggernaut of an agency and have gotten hundreds of thousands of previously uninsured into coverage (see the Obamacare kiosks all over Miami). Oscar is proud to have been their"
[X Link](https://x.com/mariots/status/1738197582034108844) 2023-12-22T13:59Z [----] followers, 15.4K engagements
"@jeffiel One of the insane knowledge management issues in an organization is that the longer you've been there the more Google Drive document access you have. If I tell newbies at Oscar to search the g drive for something they get few hits. Weird superpower of veterans"
[X Link](https://x.com/mariots/status/1744927537635934419) 2024-01-10T03:41Z [----] followers, 45.8K engagements
"Simple insight in how members select primary care physicians: first chart shows what happens when Oscar auto-assign primary care physicians based on various metrics like cost and quality - the farther away the less likely the member is to actually visit. Second chart shows the same logic for members who select their own PCP (e.g. in the Oscar onboarding workflow): no relation to distance. Either a good sign of loyalty to PCPs or a sign that those members see their PCP while at work or at a different address. (More on PCP loyalty in a different post soon)"
[X Link](https://x.com/mariots/status/1745050883916726500) 2024-01-10T11:52Z [----] followers, 16.3K engagements
"Oscar's growth to 1.3M members is a case study in the power of long-term trends and the fallacy of short-term blips. It always seemed obvious to us that a well-functioning U.S. individual healthcare market would eventually win out. But that it had to go through early legislative sabotage (risk corridor defunding) almost getting killed off in [----] a pandemic subsequent Medicaid redeterminations red states' eventual enthusiastic embrace and now the unstoppable force of employer market individualization (ICHRA) would have been impossible to predict. Lesson for healthcare startups is to optimize"
[X Link](https://x.com/anyuser/status/1745766255477313548) 2024-01-12T11:14Z [----] followers, 29.3K engagements
"Data from the Oscar Medical Group's AI-written messaging summaries: the time it takes to document visits to virtual care providers via secure messages dropped by around 30% with automated summaries. The chart below shows how providers are using the AI-written summaries. Interesting: 47% of the time providers added data points - but most of those were specific data points that the model had no knowledge of like specific lab results or the next follow-up appointment. Points to a clear opportunity for improvement (make the longer-term memory accessible - we have all that data already). Post is"
[X Link](https://x.com/mariots/status/1749835121740382463) 2024-01-23T16:42Z [----] followers, 10.8K engagements
"Technology grind in healthcare: we chose to build our own EHR for the Oscar Medical Group back in [----]. The OMG providers didn't like it for a long time (I guess that's par for the course for EHRs but still painful). Finally it's looking up. Lots of small improvements. Plus some LLM impact in here more recently (generating records from secure messaging consultations lab test summaries etc.). Lessons are 1) don't build an EHR and 2) if you do a short 4+ years later you will be very happy you did"
[X Link](https://x.com/mariots/status/1755356425541337214) 2024-02-07T22:22Z [----] followers, 26.7K engagements
"I still think that to be a real company you have to be a public company. But I can confirm that losing 94% of your value is as soul-crushing as it seems (not to mention for our investors). I always felt confident that we had all the bones to get the company on track but when you are plumbing your lowest stock price lows you wonder: what even are the historical odds that a stock comes back from a 94% peak-to-trough drawdown like the one OSCR experienced Here is the answer: in a universe of [----] publicly traded companies with a trough valuation of at least $50M there were [---] companies over the"
[X Link](https://x.com/anyuser/status/1756068806730858864) 2024-02-09T21:33Z [----] followers, 237.5K engagements
"Some numbers on why you need LLMs behind the scenes in customer service teams: in the Oscar concierge teams we store all of our knowledge in one (pre-LLM simple search) system. When care guides can't answer a member question they escalate it to a content expert. When the content expert closes the case they evaluate whether the care guide could have answered the question with materials available in the knowledge management system: for 66% of escalations the answer is yes. So the knowledge is there and systematically accessible all along but people don't find it. Different perspective from a"
[X Link](https://x.com/mariots/status/1760669493309620597) 2024-02-22T14:14Z [----] followers, 13.4K engagements
"Google draws some low-stakes pictures wrong and the stock crashes; United crashes half the healthcare system and the stock is up. Couldn't find a better illustration of how little product performance and competitiveness matter in healthcare vs all other industries"
[X Link](https://x.com/anyuser/status/1762258172452966686) 2024-02-26T23:27Z [----] followers, 16.8K engagements
"One of the biggest missed opportunities in U.S. healthcare is that as a society we could be investing in better outcomes for everyone which would save money in the long term - but often doesnt happen because it costs more in the short term. Here is a hands-on example that Oscar has lived through in practice: PrEP drugs. PrEP (pre-exposure prophylaxis for HIV) refers to medications taken by people at elevated risk of HIV infection; they are an incredible scientific feat quite effective and can nearly eliminate HIV risk for adherent patients. When the first drug came out it was without"
[X Link](https://x.com/anyuser/status/1765143409742778374) 2024-03-05T22:32Z [----] followers, 28.5K engagements
"Surprised @DavidSacks hasn't congratulated Putin to his hard-earned election victory. What a lack of civility"
[X Link](https://x.com/anyuser/status/1769485190420701561) 2024-03-17T22:05Z [----] followers, 27.6K engagements
"This annual chart by @Rock_Health is always a great illustration why the employer-sponsored healthcare model is such an ineffective idea: nobody wants their employer playing a role in managing their healthcare. (Nobody wants the tech companies either btw.) ICHRA FTW"
[X Link](https://x.com/mariots/status/1769894690583638094) 2024-03-19T01:12Z [----] followers, 16.9K engagements
"Some notes from augmenting our 'find care' search with LLMs: the Oscar app has long had an omni-search bar that is able to distinguish between reasons for visit providers facilities and drugs. Way back in the days we had a SNOMED- and Unified Medical Language System-based search but that sometimes produced funky results so over the years we replaced it with hand-tuned rules-based matching logic. Of course this should be an ideal use case for LLMs. So a subset of members now have a new LLM-based search enabled. The question as always is how to balance producing relevant results (precision)"
[X Link](https://x.com/anyuser/status/1776037117707387170) 2024-04-05T00:00Z [----] followers, [----] engagements
"U.S. healthcare is full of this type of financial doom loops: - Set a fantasy artificial inflated price - Invent a business that negotiates a bit of a discount - Charge for the imaginary cost savings. Another great example here Multiplan & out-of-network pricing: All this works because those who are supposed to ultimately manage the healthcare dollar - self-insured employers - are just preposterously incapable of driving any kind of market efficiencies and doing this responsibly. (The Affordable Care Act marketplaces in contrast are way closer to driving these efficiencies: hard to overcharge"
[X Link](https://x.com/mariots/status/1776984129499693548) 2024-04-07T14:43Z [----] followers, 23.1K engagements
"Here is Oscar data from the last (partial) eclipse in NY in [----]. Conclusions: - The medical term for "staring at the sun too long" is solar retinopathy - Members were 30x more likely to seek care for solar retinopathy in the month following the eclipse vs. a regular month - Don't stare at the sun for too long"
[X Link](https://x.com/mariots/status/1777408799499788443) 2024-04-08T18:50Z [----] followers, 28.2K engagements
"Oscar Health for the quarter ended March [--] 2024: - Total Revenue of $2.1 billion a 46% increase YoY - Medical Loss Ratio of 74.2% a [---] bps improvement YoY - SG&A Expense Ratio of 18.4% an [---] bps improvement YoY - Net Income of $177.4 million or $0.62 of earnings per share a $217.1 million improvement YoY - Adjusted EBITDA of $219.3 million a $168.2 million improvement YoY - Reaffirming full year [----] outlook = Individualizing health insurance with tech works. Just took a little longer than we naively thought"
[X Link](https://x.com/anyuser/status/1787786785528938569) 2024-05-07T10:09Z [----] followers, 51.3K engagements
"Cool video that the great folks at @OpenAI shot at Oscar Health showing some of our use cases: https://www.youtube.com/watchv=rnC10yXhj4M https://www.youtube.com/watchv=rnC10yXhj4M"
[X Link](https://x.com/anyuser/status/1798795681777291754) 2024-06-06T19:14Z [----] followers, 13.7K engagements
"We had an onsite with our engineering product and design directors+ this week. To kick it off we did a 20-min game coding challenge: use @OpenAI GPT-4o and @amasad's @Replit to write a game in [--] minutes. It is a super fun exercise highly recommend it. Almost zero prep necessary people loved it and it's the most practical way to get a better intuition for everyone on where code generation intelligence stands these days. Here are the games (each is from a group of 3-4): https://oscar-tech-game-challenge.replit.app/ https://oscar-tech-game-challenge.replit.app/"
[X Link](https://x.com/anyuser/status/1801674557754921022) 2024-06-14T17:54Z [----] followers, 33K engagements
"@celinehalioua I am with you. Hiring towards a more diverse team was never incompatible with also building a meritocracy. The world isn't that black and white literally and figuratively"
[X Link](https://x.com/mariots/status/1803116337595818214) 2024-06-18T17:23Z [----] followers, [----] engagements
"@levie @DavidSacks David Sacks proud democracy saver in the tradition of the My Pillow guy Drunk Giuliani and squirrelly stapler guy from the Justice Dept"
[X Link](https://x.com/mariots/status/1816000431799308671) 2024-07-24T06:40Z [----] followers, [----] engagements
"There have been fewer deaths per capita from wars than any time in human history over the past decades real interest rates have been lower than any time in the last [----] years (enabling Silicon Valley to begin with) and the Marines' Hymn talks about Tripoli (the North Africa one not the Wisconsin one) because the whole reason the US Navy exists in the first place is to protect global trade routes vital to US prosperity. And the reason most Western countries including the US went from conscription to purely professional armies is for the same reason - a liberal global order and US projection"
[X Link](https://x.com/mariots/status/1816099969197363208) 2024-07-24T13:15Z [----] followers, 62.7K engagements
"@elonmusk You should switch back to ketamine the cocaine isn't doing it for you"
[X Link](https://x.com/mariots/status/1817145390107619548) 2024-07-27T10:29Z [----] followers, [----] engagements
".@JoshuaKushner is a unique blend of friend entrepreneur and investor in that order. And the exceptional team at Thrive has built the fund into an organization that embodies exactly those values. They are an incredible partner to founders and startups and few of those of us who built with them would be where we are without their enduring support. Congratulations on the raise & thank you for all the great work. We are humbled to announce the close of Thrive IX. Exceeding $5 billion Thrive IX comprises $1 billion designated for early-stage investments and $4 billion designated for growth-stage"
[X Link](https://x.com/mariots/status/1820445719347474552) 2024-08-05T13:04Z [----] followers, 11.4K engagements
"@JoeyMannarinoUS Right and that's also what Jesus taught (given that you are a Roman Catholic per your bio). I think it's in the Gospel of Adolf 4:2"
[X Link](https://x.com/mariots/status/1823087617052725437) 2024-08-12T20:02Z [----] followers, [----] engagements
"I think LLMs will clearly change children's education. Let me show you an example: a few months ago my daughter applied to a new school (she's 10). She built a graphical text adventure using @Replit and @Scenario_gg with @GitHubCopilot and a basic game structure from me. (This all got even easier recently with the new @cursor_ai.) Here she is explaining it: Here is the game (which is very meta because part of the phobias the kids in it have to overcome is that of going to a new school - she did get in btw): Get your kids these tools and do some pair programming with them - schools still"
[X Link](https://x.com/mariots/status/1831091727010009296) 2024-09-03T22:07Z [----] followers, 11.7K engagements
"@charliebilello We already have the solution for this: it's a competitive transparent marketplace. For [--] years in a row now employer healthcare cost inflation has vastly outpaced ACA inflation. ACA premium CAGR: 3.7% employer premium CAGR: 5.6% since [----]. The employer market is the problem"
[X Link](https://x.com/anyuser/status/1833485986749173820) 2024-09-10T12:41Z [----] followers, [----] engagements
"@shaunmmaguire Oh you're going with "technically no police died on exactly that day" when 1) getting beaten up with a flagpole on the steps of the Capitol isn't really all that great either and b) even your search screenshot below speaks to the [--] policemen who were affected right after. Sure"
[X Link](https://x.com/anyuser/status/1833685953736802367) 2024-09-11T01:56Z [----] followers, 73.8K engagements
"@KonstantinKisin Hahahahahahahaha"
[X Link](https://x.com/mariots/status/1833983230262792329) 2024-09-11T21:37Z [----] followers, [----] engagements
"Yesterday OpenAI dropped a preview of a new model o1. Our initial observations are that the o1-preview model is more autonomous in generating steps to solve problems more precise and handles complex tasks with higher consistency. The more digestible formatting of outputs and its increased sense of confidence relative to 4o help too. o1-preview will unlock new use cases & accelerate time to deployment for existing use cases in healthcare. Here are several healthcare examples. 1/6"
[X Link](https://x.com/anyuser/status/1834732380050870553) 2024-09-13T23:14Z [----] followers, 83.1K engagements
"I will keep posting this chart everywhere. Putting people into a single risk pool (21 million & counting for the ACA) letting them choose a plan and making sure that plans are entirely transparent creates a better-functioning marketplace. I agree that the CMS regulation forcing payers and providers to publish their contracted rates has been generally a great thing but it has done virtually nothing to push costs down so far. (The opposite: it has driven costs UP in some markets.) The end user needs to put competitive pressure on this. The end user is all of us and not employers' HR"
[X Link](https://x.com/mariots/status/1835728228486447221) 2024-09-16T17:11Z [----] followers, 12.3K engagements
"@PhysInHistory Wrong. He has 6s in all the math and physics courses. 4s are in geography "artistic drawing" and "technical drawing". "Naturgeschichte" is a [--] and that could be an old word for physics (Newton called himself a "natural philosopher") but that's actually biology"
[X Link](https://x.com/mariots/status/1837592505401201093) 2024-09-21T20:39Z [----] followers, [----] engagements
"@nikillinit I've been meaning to print out that guy's collected works because I ran out of toilet paper. Incredible example of Silicon Valley's lottery winner phenomenon"
[X Link](https://x.com/mariots/status/1843022489133457658) 2024-10-06T20:16Z [----] followers, [----] engagements
"So sad that the genius entrepreneur @elonmusk is blowing his chances to have a hugely positive impact on government by hitching his wagon to a lunatic he thinks he can control rather than putting together a bipartisan ticket over the next [--] years that many of us could get behind"
[X Link](https://x.com/mariots/status/1845520152764285294) 2024-10-13T17:41Z [----] followers, 13.1K engagements
"@mansourtarek_ Sure just like $6B valuation on $4M of revenues is an appropriate efficient market valuation"
[X Link](https://x.com/mariots/status/1847291974669471926) 2024-10-18T15:01Z [----] followers, [----] engagements
"LFG We are excited to announce our [----] market expansion plans The Oscar experience will now be available in [---] markets across [--] states in [----]. Oscar is also launching new affordable health insurance products designed to empower individuals to lead healthy lives on their own https://t.co/LxFNUNTDJJ We are excited to announce our [----] market expansion plans The Oscar experience will now be available in [---] markets across [--] states in [----]. Oscar is also launching new affordable health insurance products designed to empower individuals to lead healthy lives on their own"
[X Link](https://x.com/mariots/status/1848385832950067690) 2024-10-21T15:28Z [----] followers, [----] engagements
"Yes this all leaked out long before the articles. When Oscar Health started to expand we went to see Elizabeth in early [----]. (The security circus around her even in her own office was a sight to behold.) She was incredibly gracious and took copious notes. But we wanted a lab test network and testing capacity from her and she kept trying to convince us to rent her beautiful website to just visualize Quest and Labcorp lab results instead of testing with her own tech. It was strange. Nevertheless the week after back in NY I excitedly told the company at our weekly all hands that we're talking"
[X Link](https://x.com/mariots/status/1851980453273587718) 2024-10-31T13:32Z [----] followers, 19.6K engagements
"@AlecStapp @danprimack Found this old email talking about our Theranos experience We met the Apple folks on the same day and the contrast couldn't have been more hilarious"
[X Link](https://x.com/mariots/status/1852003357713391666) 2024-10-31T15:03Z [----] followers, [----] engagements
"@SquawkCNBC That guy hasn't made money since [----] when his intern told him about the housing trade. Why is anyone listening to him"
[X Link](https://x.com/mariots/status/1853443454111555842) 2024-11-04T14:25Z [----] followers, [----] engagements
"@BillAckman @VDHanson @realDonaldTrump "I hate free trade so here are some tariffs" - Trump "He just wants others to reduce their own trade barriers" - you "Bring manufacturing jobs back to US" - Trump "But things will still be cheap because robots" - Lutnick I hope you see the issue here: 1% plan 99% winging it"
[X Link](https://x.com/mariots/status/1908339792653299927) 2025-04-05T02:03Z [----] followers, 10.5K engagements
"This is just a hilariously misguided understanding of macroeconomics. The US is at zero risk of defaulting on its debt (because it's denominated in its own currency) so why the f would the repayment schedule matter. This isn't a mortgage refinancing where you're trying to time the market on low interest rates. In the history of the world countries have had [--] pathways to reduce their debt load: (1) inflate it away (1950s US 1970s Italy) (2) default on it (Argentina Mexico) (3) grow your way out of it (1980s Belgium 2020s Greece). Treasury yields do not reflect some kind of short-term"
[X Link](https://x.com/mariots/status/1908349141249339808) 2025-04-05T02:41Z [----] followers, 17.2K engagements
"Must be lovely to be a guy like you w/o any real responsibilities beyond yelling performatively at real CEOs & builders in earnings calls. You think any of us in the real world have time to wait around for any of that If I even organized my kids' birthday parties this unseriously I'd be fired"
[X Link](https://x.com/mariots/status/1908632947105611794) 2025-04-05T21:28Z [----] followers, 121.5K engagements
"@BillAckman @realDonaldTrump To your earlier comment on "patriotic traders keeping a steady hand": why don't you show us your portfolio so we can all see which great American businesses you are supporting with your LPs' hard-earned money during these so unexpectedly uncertain times"
[X Link](https://x.com/mariots/status/1908633562452021511) 2025-04-05T21:31Z [----] followers, 10.1K engagements
"@RichardHanania Hard to overstate how insane this is. I'm here on a greencard (and created plenty of jobs). Do I have to worry about getting snatched up & locked into a foreign prison Really not much of a difference between me and some of these cases now coming to light"
[X Link](https://x.com/mariots/status/1911910159695118490) 2025-04-14T22:31Z [----] followers, [----] engagements
"@lukecaverns I zoomed in all the way for you https://infinitezoom.replit.app/viewer/55 https://infinitezoom.replit.app/viewer/55"
[X Link](https://x.com/mariots/status/1920276235868897423) 2025-05-08T00:35Z [----] followers, [----] engagements
"@RichardHanania Reminds me of @nntaleb 13th rule for life: "Peterson you idiot stay out of this""
[X Link](https://x.com/mariots/status/1927124890550775874) 2025-05-26T22:09Z [----] followers, [----] engagements
"Oscar has joined the Fortune [---] for the first time. I know what you're thinking and I agree: what only now But because vibe-analyzing now takes [--] minutes here are some stats: - Only newcomer in the healthcare industry category named to the list this year - Only company on the list founded [--] years ago one of [--] companies founded [--] years ago. Making the list [--] years after founding puts us in the top decile in terms of speed. In healthcare only [--] companies on the list are [--] years old - 50%+ revenue growth rate vs. 4% median for healthcare companies on the list - We have 5x"
[X Link](https://x.com/anyuser/status/1929636956830368166) 2025-06-02T20:31Z [----] followers, 207K engagements
"The other day I noticed something very cool: the most important equation describing particles in physics is basically the same as the most important equation describing risk in finance - with one crucial difference. Behold: the Schrdinger equation in quantum mechanics and the Black-Scholes equation in finance. We will turn these into a quantum theory of finance. Includes vibe-coded simulation so read on 🧵"
[X Link](https://x.com/anyuser/status/1930029539838833096) 2025-06-03T22:31Z [----] followers, 19.1K engagements
"Hard to keep up with putting out press releases when you launch a lot of stuff all the time so here is some data on something we've had in production since Dec 2024: our intake bot that runs the initial conversation before virtual care consultations with the Oscar Medical Group. Our doctors can deliver more care: - 95% of providers reported time savings; with over 50% reporting saving [--] minutes per consult - Directional reduction in provider messages for most common RFVs like sore throat and UTI - Shorter consult durations in asynchronous messaging Patients stay more engaged: - 11% increase"
[X Link](https://x.com/mariots/status/1933183398844989746) 2025-06-12T15:23Z [----] followers, 19K engagements
"@RichardHanania Good reminder of a crucial flaw in many people's minds: overestimating Russia's relative size. Countries like Brazil are now way bigger (210M) than the (shrinking) Russia (144M). If they didn't have the former Communist glory (and nuclear weapons) they'd be global also-rans"
[X Link](https://x.com/mariots/status/1935384329690943989) 2025-06-18T17:09Z [----] followers, [----] engagements
"Chart from last year's investor day but I love it as the best illustration of what we have to do: drive down healthcare costs. In a stable individual market there is way more competitive pressure to make healthcare affordable. All of US healthcare will go direct to consumer"
[X Link](https://x.com/anyuser/status/1936047137990565941) 2025-06-20T13:03Z [----] followers, [----] engagements
"@shai_wininger Happy Lemonade customer btw"
[X Link](https://x.com/mariots/status/1940264531634311184) 2025-07-02T04:21Z [----] followers, 10.3K engagements
"More awesome AI tools coming soon from Oscar thanks to @OpenAI and their excellent work on GPT-5 Were proud Oscar was featured in OpenAIs GPT-5 launch as a real-world example of AI in healthcare. Oscar has been using GPT-5 and what they found is that it's the single best model for clinical reasoning. Think matching complex medical policy to patient conditions. https://t.co/IgpZF8F33J Were proud Oscar was featured in OpenAIs GPT-5 launch as a real-world example of AI in healthcare. Oscar has been using GPT-5 and what they found is that it's the single best model for clinical reasoning. Think"
[X Link](https://x.com/anyuser/status/1953541276294320457) 2025-08-07T19:38Z [----] followers, [----] engagements
"For the past month or so a lot of the most complicated @OscarHealth member questions about how the healthcare system works have been answered by @OpenAI models (with a final coding push that came from GPT-5). Some stats and technical details: 1/5"
[X Link](https://x.com/anyuser/status/1955700477234167888) 2025-08-13T18:38Z [----] followers, 77.9K engagements
"In [----] IBM became one of the first large employers to adopt 401(k)s. It became a bellwether for the individualization of stock ownership - with a pretty straight line from there to ETFs commission-free trading and eventually even r/wallstreetbets. Gradually then suddenly. Today legendary employee-owned midwest grocery chain Hy-Vee is launching an individual employer (ICHRA) plan with @OscarHealth. We have a chance to make this a bellwether for the individualization of the U.S. healthcare system. ICHRA will create a totally different healthcare system with so much consumer value and so many"
[X Link](https://x.com/anyuser/status/1956036927389622393) 2025-08-14T16:55Z [----] followers, 11.2K engagements
"Mark on life and @OscarHealth a must-see Ive never heard a life story like this. Mark enduring insane hardship with his son and then decades of extreme pain but as he describes the pain so impacts his brain that he also becomes a sort of business terminator during this period of pain. Im not sure how he survived https://t.co/VsZyL2JYj5 Ive never heard a life story like this. Mark enduring insane hardship with his son and then decades of extreme pain but as he describes the pain so impacts his brain that he also becomes a sort of business terminator during this period of pain. Im not sure how"
[X Link](https://x.com/mariots/status/1957871473873519046) 2025-08-19T18:25Z [----] followers, 21.8K engagements
"Pretty awesome how easy @OpenAI has now made it to create voice agents & great to be featured in this launch announcement with @OscarHealth https://openai.com/index/introducing-gpt-realtime/ https://openai.com/index/introducing-gpt-realtime/"
[X Link](https://x.com/anyuser/status/1961419338889793755) 2025-08-29T13:23Z [----] followers, [----] engagements
"The individual market is the healthcare market of the future and Oscar is building it. To that end we are raising additional financing. We are thrilled with the support from old and new investors. This capital positions Oscar for long-term growth. We have many more products and people to reach and the member experience and technology to make it happen. Let's go."
[X Link](https://x.com/anyuser/status/1967953404359217637) 2025-09-16T14:07Z [----] followers, 71.8K engagements
"How a company starts: mine were never a straight line. I have some data: since [----] I've been tracking everything I do to the minute. So I went back and looked what % of time went into Oscar. Coffee with @JoshuaKushner with the idea in March started reading about health insurance; Supreme Court upheld the ACA in June; brought on the first experienced insurance contractors in August; first regulator meeting on Oct [--] and only then we really got going. So many other things looked more reasonable than starting a health insurer (writing a data science textbook with my friend @sepkamvar who was at"
[X Link](https://x.com/mariots/status/1972050967886516529) 2025-09-27T21:29Z [----] followers, [----] engagements
Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@mariots Mario Schlosser
Mario Schlosser posts on X about this is, health, open ai, elon musk the most. They currently have [-----] followers and [---] posts still getting attention that total [---------] engagements in the last [--] hours.
Engagements: [---------] #
Mentions: [--] #
Followers: [-----] #
CreatorRank: [-------] #
Social Influence
Social category influence finance technology brands stocks celebrities countries travel destinations us election cryptocurrencies currencies vc firms
Social topic influence this is, health, open ai, elon musk, the most, ai, in the, money, code, insurance
Top accounts mentioned or mentioned by @openai @elonmusk @oscarhealth @davidsacks @joshuakushner @erenbali @richardhanania @cliffordasness @billackman @bobeunlimited @nntaleb @danprimack @mtbert @modrnhealthcrs @investingwithac @molly0xfff @mcuban @abemurray @rockhealth @levie
Top assets mentioned Alphabet Inc Class A (GOOGL) Uber Technologies, Inc. (UBER) Bitcoin (BTC) IBM (IBM)
Top Social Posts
Top posts by engagements in the last [--] hours
"Counterintuit. crypto thought: crypto lovers say govt regulation is bullish for bitcoin. But if illicit activity sets a floor of real economic activity in bitcoin then removing that floor will be like reducng banks' equity capital to [--] = higher bank run probability @molly0xFFF"
X Link 2022-04-30T18:52Z [----] followers, [--] engagements
"@DanMunro @boltyboy @OscarHealth Not sure we need any payers: https://www.hioscar.com/what-oscar-does https://www.hioscar.com/what-oscar-does"
X Link 2022-11-14T14:06Z [----] followers, [--] engagements
"@UridiumAuthor A different angle: the prime-counting function x / ln(x) which approximates the # of primes = x isn't even defined for x = [--] (div by 0). Similarly other functions in that whole Riemann-related world have integrals in them that don't converge if you look for primes = 2"
X Link 2023-05-25T22:10Z [----] followers, [--] engagements
"2/3 of Oscar members use our care routing tools to find their doctors. But provider specialty taxonomies were created for billing purposes not for physician discovery. An LLM-assisted specialty search can deliver this much more intuitively. 5/"
X Link 2023-06-28T19:34Z [----] followers, [----] engagements
"People react differently to messages - e.g. convenience msg better for chronic vs. personal better for healthy members. Our Campaign Builder tool allows for rapid testing. That can now call GPT-4 - e.g. to identify members for our maternity journey from text interactions. 6/"
X Link 2023-06-28T19:34Z [----] followers, [----] engagements
"The mathematical symbol that distinguishes between different "sizes" of infinities is aleph. Aleph is also the letter in the Hebrew alphabet that has "infinite" pronunciations: it has no sound by itself just takes on the pronunciation of whatever vowel sign it is marked by"
X Link 2023-07-11T10:03Z [----] followers, [---] engagements
"Check out Oscar quarterly earnings here: Some highlights: (1) Second consecutive quarter of total co profitability ($87M adj. EBITDA in first half) (2) NPS climbed to [--] (3) back to expanding (4) pushing forward on +Oscar"
X Link 2023-08-09T11:27Z [----] followers, [----] engagements
"Useful to have done IPO to now interpret other people's IPOs: Instacart said they'll price at $26-28 per share. Which means they'll do roadshow this week IPO next Wed. If the roadshow is going well (conversion rate from meeting to investor commitment 85%) they will increase that range to $30-32 by mid-week. If it is merely going fine (conversion 70%) they will do it on Mon night next week including upsizing the $ they're raising. Then they will try to price above that new range on Tue night trade Wed"
X Link 2023-09-11T13:23Z [----] followers, 17.5K engagements
"Interesting that when you ask @OpenAI GPT-4 with "Adv Data Analysis" turned on to write Python code & then to make it interactive it tries to use ipywidgets (library for interactivity in Jupyter notebooks so it fails & it apologizes). Interaction controls: great future feature"
X Link 2023-09-18T20:03Z [----] followers, [---] engagements
""In Python write code that draws a three-dimensional coordinate system with each axis x y z having [--] units on it. Place a point at (xyz) = (543) and point an arrow to it from the origin of the coordinate system. Show a text box that lets me type in an angle and a button. When I click the button the point should be rotated about the x-axis by that angle.""
X Link 2023-09-18T21:36Z [----] followers, [--] engagements
"I thought the tiny uncommented observations were the most insightful to understand how he operates. Like: Optimus and Raptor engine meetings are rambling affairs that can drift off into chatting about movies & where others need to pull him back to an agenda. (Honestly we should all aspire to have more of those meetings.) Or the guy clearly has insanely high energy but the book is also full of stuff like "he recently rewatched The Life of Brian & joked about it" endless video gaming stories & trips to roadside diners so the famed [---] hrs work week is peak not average. (So he's human after"
X Link 2023-10-01T20:55Z [----] followers, [----] engagements
"10 years ago the first-ever open enrollment period for the Affordable Care Act opened. Here is an interesting chart: the number of insurers that entered the ACA as startups that are still around. (Not even counting all the nationals that chickened out in 2016-17 and crept back in later on.) Congratulations to @OscarHealth @CmtyHlthOptns @CGHealthcare & Mountain Health Coop we made it"
X Link 2023-10-13T00:10Z [----] followers, [----] engagements
"The weird thing about the employers' role is that this is the last remnant of the ancient form of paternalistic US capitalism - GM doesn't build apartments for its workers anymore IBM doesn't invest your paycheck in the stocks that its pension fund managers like anymore but somehow some guy in HR is asked to run a huge quasi-health insurer and think about how to save money on women's NICU babies. An alternative: @mcuban go to HCA or Methodist or THR or Baylor in Dallas and ask them to create an off-exchange ACA plan that uses @costplusdrugs and other tech components to run a lean insurer;"
X Link 2023-11-16T16:16Z [----] followers, [----] engagements
"We have a standard set of internal healthcare processes that we benchmark language models against using internal data: note-taking in member services calls parsing medical records and clinical form structuring. We ran those through GPT-4 Turbo. OpenAI models continue to perform the best below are some excerpts. (Thanks @bradlightcap) More here and on the Oscar Continuous Hackathon:"
X Link 2023-11-21T20:07Z [----] followers, 10.5K engagements
"@rikrenard No they'll figure it out"
X Link 2023-11-21T21:43Z [----] followers, [---] engagements
"@nixcraft I see your Turbo Pascal and I raise you one Modula-2 (same guy Niklaus Wirth there were German computer science departments that still taught this in the late 90s believe it or not)"
X Link 2023-12-01T22:09Z [----] followers, [---] engagements
"Amazing that a guy who lived in the third century BC knew almost as much about the previous [----] years of Egyptian history as we know today"
X Link 2023-12-21T17:06Z [----] followers, [---] engagements
"Went to Egypt this summer with the family Biggest surprise was that Roman buildings are mostly ruins (except for Pantheon and some others) but Egyptian tombs are insanely well preserved. Probably because a) sand and b) Napoleon (most of this stuff was buried until he came and he did a good job in seriously excavating it)"
X Link 2023-12-21T18:02Z [----] followers, [--] engagements
"@healthcareandy It's also stupid bc you're going to pay it right back in increased healthcare costs: as everyone knows U.S. healthcare is insanely expensive as % of GDP; but it falls into the middle of the pack if you add up social and health spending. Skimp on one pay more for the other"
X Link 2023-12-25T21:38Z [--] followers, [---] engagements
"@zachweinberg You're right of course. Though I'll point out that his supporters surely immediately assume he must be talking about a magnet heated to its Curie temperature at [---] Celsius at a pressure of [---] bar to prevent the water from turning to steam"
X Link 2024-01-07T20:37Z [----] followers, [---] engagements
"(1/3) Because the OpenAI GPT Store is launching this week lets talk about AI alignment in the context of custom GPTs. I suspected this environment wont stay the way it is for long because it is so weird: you have one prompt to control code execution. Whereas in an LLM agent setup or in OpenAIs Assistant API or in system designs like graph-of-thought it would usually be the other way around: youre invoking the LLM from within code and only sometimes invoking code from within the LLM so you have a lot more control over the flow. Hence programming a custom GPT to me feels like a weird mix of"
X Link 2024-01-08T16:38Z [--] followers, [---] engagements
"(continued) - If you cant sequence in code use thought-of-chain: The longer you play the more quickly ChatGPT will just start to lose the thread - meaning it will deviate from the 9-step game loop like telling you that you successfully did an action but forgetting to update it in Python. The maneuver that finally did the trick for me is what you might call thought-of-chain: like in chain-of-thought - where telling the LLM to essentially use a scratchpad - you tell it to tell itself which step in the process it is in. This is surprisingly effective Simply by telling it the following you force"
X Link 2024-01-08T17:02Z [----] followers, [---] engagements
"@adamrenklint @Pitch Double hats off to the few who raised large sums in ZIRP and resisted the desire to invest it. But absolutely hats off to you guys for facing the music so radically to keep building a viable and useful company"
X Link 2024-01-09T19:31Z [----] followers, [----] engagements
"Jrgen Klopp leaving shows that perhaps it's better to do something incredibly intense leave it all on the field do it well and then do something else before you lose your touch. What a guy. I still saw him play in Mainz as a striker (3:0 vs SV Meppen Saison 96/97) A message to Liverpool supporters from Jrgen Klopp. https://t.co/l7rtmxgOzt A message to Liverpool supporters from Jrgen Klopp. https://t.co/l7rtmxgOzt"
X Link 2024-01-26T14:42Z [----] followers, [----] engagements
"@abemurray Psycho. Approximately 3.000% of my life has been spent deleting the superfluous spaces typed by your kind of two-spacers"
X Link 2024-02-01T12:15Z [----] followers, [---] engagements
"Two insane technologies of our lifetime in the same video: 1) I built an equation tutor using @OpenAI GPT-4V with my son and 2) am using it with the @Apple Vision Pro in our kitchen"
X Link 2024-02-09T01:52Z [----] followers, [----] engagements
"2024 guidance is for a profitable company 40% revenue growth with [--] NPS (vs industry average 3) in a healthcare segment at the cusp of further breakout (individual coverage now 21M people) all on completely inhouse tech. I'm not aware of any other insurance startup in the world at this scale and this level of profitability. So it's not a question of turnaround anymore it is a question of a) continuing to run that playbook for profitable growth and b) growing segments like our +Oscar tech and individualization of employer coverage (ICHRA)"
X Link 2024-02-10T16:05Z [----] followers, [---] engagements
"The best thing about Trump's recent reminiscing about how he told a Euro country's president at a NATO summit that he'd encourage Russia to attack him if he doesn't pay up is that I'm 90% sure it's really just Trump's memory of watching this gem on TV:"
X Link 2024-02-11T21:56Z [----] followers, [---] engagements
"The "funniest" thing about the United hack is that United the insurance company isn't even impacted because. they aren't using their own systems. That should be the dictionary entry under "opposite of dogfooding""
X Link 2024-02-28T13:35Z [----] followers, [----] engagements
"In principle ACA risk adjustment is designed to account for this by making an insurer indifferent to the clinical makeup of their population. In practice because risk adjustment relies on diagnostic information and risk of HIV contraction is not a diagnosis (it is prescribed to prevent the diagnosis from ever happening) it was excluded from risk adjustment - so one of the places we really needed risk adjustment it didnt apply. Therefore Oscar was uniquely affected by the increasing PrEP spend relative to our competitors. In the ACA where many people now can get highly subsidized $0/month"
X Link 2024-03-05T22:32Z [----] followers, [----] engagements
"Awesome that @OpenAI is constantly evolving their models. It leads to periods of weird behavior though. Right now an odd amount of GPT-4 output randomness has crept in at temperature=0. Consider this prompt (see image): it instructs the LLM to execute cellular automata rules on an input string with some tags to help it stay oriented. Run it [--] times with temperature=0 and model gpt-4-0125-preview and you get the output below. There are two "stable" solutions it oscillates between. Both of those are fine (it's asked to move a 3-bit window over a bit string so it sometimes decides to copy over"
X Link 2024-03-11T22:59Z [----] followers, [----] engagements
"@TurnerNovak @Rock_Health Yeah it's weird. Maybe before [----] sharing healthcare data was such an abstract concept that nobody could imagine it Or maybe this is the "Bill Gates put microchips in the COVID vaccine" effect"
X Link 2024-03-19T16:06Z [----] followers, [---] engagements
"My personal AI assistant device era is not off to a particularly smooth start"
X Link 2024-05-02T18:51Z [----] followers, [----] engagements
"Interesting chart from the Oscar Knowledge Management team: scatter plot per Oscar care guide showing first-call resolution (FCR) vs. the agent's use of our knowledge management system (looking up policies etc.). There is a correlation but it's not big enough. Suggests that it's still too difficult to look up knowledge quickly and on the fly while in a conversation. Good use case we have in LLM experimentation at the moment (more soon)"
X Link 2024-05-08T18:48Z [----] followers, [----] engagements
"Start a US company & you're NewCo Inc (Incorporated). Start a German company & you're NewCo GmbH & Co KG (Gesellschaft mit beschrnkter Haftung und Companie Kommanditgesellschaft). That alone might explain lower German startup activity it just takes so much longer to pronounce"
X Link 2024-05-14T16:36Z [----] followers, [----] engagements
"(1/28) Last year the discovery of a supposed room-temperature superconductor blew everyone's minds. That didn't work out but the math behind superconductors is very interesting and a grand tour of 20th century physics. Lets find out how it works with equations. Even the Higgs mechanism of Higgs boson (or "god particle") fame makes an appearance but in a different way than usual. In case someone discovers a new room-temperature superconductor this summer you'll be ready to weigh in. (all illustrations drawn with @OpenAI ChatGPT and @tldraw) Here is what we need: [--] - From quantum mechanics to"
X Link 2024-05-17T12:35Z [----] followers, [----] engagements
"@PalmerLuckey @ModRetroHub @GameStop @Tetris_Official @KossHeadphones Love it & pre-ordered"
X Link 2024-06-03T23:23Z [----] followers, [---] engagements
"Fun fact: before hedge fund & Trump @BillAckman published a Super Nintendo game. Yours for $40 on eBay https://www.ebay.com/itm/166872413475 https://www.ebay.com/itm/166872413475"
X Link 2024-07-18T09:08Z [----] followers, [---] engagements
"@ylecun @elonmusk @erikbryn Also it IS possible for a highly developed economy to reduce its government debt load without choking itself off. Belgium did it in the 1990s and went from 130% debt to GDP down to 85% (before going back up after the financial crisis). Not a reason to freak out"
X Link 2024-07-26T13:23Z [----] followers, [----] engagements
"@molly0xFFF It is going to put the (bizarrely large) overlap between Trump fanboys and crypto fanboys in a real pickle in how they should feel about the Fed cutting rates before the election"
X Link 2024-07-28T05:08Z [----] followers, [---] engagements
"The IPO Window is Fake by @Crubenfeld: well said https://open.substack.com/pub/charlesrubenfeld/p/the-ipo-window-is-fake https://open.substack.com/pub/charlesrubenfeld/p/the-ipo-window-is-fake"
X Link 2024-08-26T10:52Z [----] followers, [---] engagements
"@VitalikButerin @karpathy It is in fact such a great crypto use case that it's swung into a data point that crypto will never be truly useful because despite the obvious utility of these micro-transactions exactly zero useful practical & impactful examples have emerged after 10+ years"
X Link 2024-08-30T17:12Z [----] followers, [---] engagements
"New use case for LLM coding: bringing vintage video games back to life. I bought a [----] Japanese video game magazine in Akihabara in Tokyo (this is "Family Computer Magazine"). Back then magazines often included code for games you could type in (@elonmusk had a video game published that way). I didn't even know what system this code was for. But an LLM does: turns out this is MSX BASIC and easier than trying to find an emulator for that here is the Claude Artifact that lets you play a version of it in React auto-converted straight from the BASIC code in the [----] magazine"
X Link 2024-08-31T18:36Z [----] followers, [----] engagements
"@erenbali The more interesting question is whether non-engineers can now do useful engineering work. Perhaps an analog: feels like DAWs like Ableton enabled musicians that wouldn't exist otherwise. In a non-DAW world Avicii & Kygo wouldn't have become classical pianists or something"
X Link 2024-09-04T23:47Z [----] followers, [---] engagements
"@touraj Excellent analogy. Same with Franco in Spain Salazar in Portugal etc. All of those had eager intellectuals build bullshit rationalizations around them. Also what a great data point that @naval's bumper sticker wisdoms were yet another zero interest rate phenomenon"
X Link 2024-09-07T13:14Z [----] followers, [---] engagements
"Oh and finally: I don't even know if the guy is in his heart of heart racist or Confederate-curious or just a very hospitable gentleman of the old school whose tent is big enough for everyone or just really really egalitarian. Whatever. What DOES come incredibly clearly out of this video is that he is a petulant man child who cannot lose an argument for whom crowd sizes are more important than kindergarten sizes and who will get others to get stuck with his bills (like you having to explain his bullshit)"
X Link 2024-09-07T15:36Z [----] followers, [---] engagements
"@mcuban @KamalaHarris It's also stupid for a country that already has the world's most diversified economy & best capital markets to raise money for non-commodity investments"
X Link 2024-09-07T16:10Z [----] followers, [---] engagements
"On the technical side this does the following: - One call to GPT-4o generates a themes materials - Code generates the data structure of crafting combinations - Another call to GPT-4o fills the data structure with content for all the craftable objects and it writes the image descriptions for each object - A call to @FAL SDXL-Turbo model generates [--] images for each material and object - A multimodal call to GPT-4o selects the best image for each object (this is a novel way to use multimodal models as creative director for graphics). Below is a neat example (for [--] objects of the theme World War"
X Link 2024-09-10T20:17Z [----] followers, [---] engagements
"@levie And yet you can still earn an astounding surefire [--] cents on the dollar by betting on Kamala on the presidential election winner market. So it's more like Nvidia [----] than Nvidia 2024"
X Link 2024-09-11T02:05Z [----] followers, [----] engagements
"This is both a fun and impressive use case for @OpenAI o1: optimizing game economies. In a prior life friends of mine and I created Brazil's most popular game Mini Fazenda. You start with a few plots of land buy crops to grow on each harvest the crops a few minutes later and sell them for more coins then level up. Let's ask o1 to simulate and design that game economy. 1/7"
X Link 2024-09-13T17:19Z [----] followers, [---] engagements
"Then it simulates the day-by-day player behavior and even picks changing strategies for the player in terms of crop selection keeping track of all the numbers. 3/7"
X Link 2024-09-13T17:19Z [----] followers, [--] engagements
"After a week it has [--] gold coins and upgraded to having bought another plot of land. 4/7"
X Link 2024-09-13T17:19Z [----] followers, [--] engagements
"Compare that to 4o which writes code to help itself (something o1 can't do yet) and then goes bankrupt. 5/7"
X Link 2024-09-13T17:19Z [----] followers, [--] engagements
"To be fair o1 also blows it right here but it's a more subtle mistake: on day [--] of the simulation see how it manages to turn [---] gold into [--] gold - because it doesn't realize it's subtracting the cost of crops twice: first it subtracts the cost of [--] coins to buy crops from the [---] starting gold and then it only adds the net profit to that calculation rather than the gross profit. But it's a much cleaner way longer and better effort overall. 6/7"
X Link 2024-09-13T17:19Z [----] followers, [---] engagements
"On detecting fraud waste and abuse: Detecting FWA is critical in healthcare to avoid excess costs. We leverage GPT-4o prototypes to detect common FWA schemes but that requires manual rule sets. Our observations on o1-preview show that it autonomously navigates data sources to identify FWA signals and provides thorough explanations. For example it successfully identified 'incident-to billing' violations flagging discrepancies in provider signatures. 4/6"
X Link 2024-09-13T23:14Z [----] followers, [----] engagements
"The @elonmusk statement is a very common misunderstanding & bad argument. The highest xenophobia and fear of immigration tend to be in places with the lowest actual share of immigrants. Look at this map of Germany. Left: share of persons with a migrant background. Right: share of AfD votes (the German right-wing populist party). It is almost an exact inverse. Those who have never seen a migrant are most afraid of them"
X Link 2024-09-21T20:48Z [----] followers, [----] engagements
"@abemurray [--] years at business school were a great time to do some coding and start some companies though (what was your ahead-of-its-time Google Doc called again)"
X Link 2024-09-30T11:01Z [----] followers, [---] engagements
"I find it stunning and surprising how little one's IQ has to do with one's humanity. Mao was a voracious reader; Syria's Hafez Assad was an excellent student winning several prizes at young age; Stalin had an eidetic memory; Cambodia's Khmer Rouge were all French-trained engineers. No correlation there. Smart & evil is the worst combination of all"
X Link 2024-10-02T02:37Z [----] followers, [----] engagements
"JD "von Hindenburg" Vance: he may be America's Hitler - but he's MY Hitler https://www.politico.com/news/2024/10/02/jack-smith-trump-court-filing-election-00182235 https://www.politico.com/news/2024/10/02/jack-smith-trump-court-filing-election-00182235"
X Link 2024-10-03T12:23Z [----] followers, [---] engagements
"@erenbali This was the number one played song in my high school class and I only just realized the guy was born in Germany: https://youtu.be/cpp69ghR1IMsi=wOhohQ6Uq5oLqKt9 https://youtu.be/cpp69ghR1IMsi=wOhohQ6Uq5oLqKt9"
X Link 2024-10-06T21:22Z [----] followers, [---] engagements
"@artemon @Austen I think it creates a direct to consumer channel where the best experience & value for money can win because consumers buy directly. So physician search becomes risk management lead gen etc. The economics of brokered sales to HR departments can shift into consumer channels"
X Link 2024-10-08T16:00Z [----] followers, [---] engagements
"@sidviswanathan @Alchemy_rx @a16z @MagicJohnson @sherylsandberg Great work"
X Link 2024-10-15T22:40Z [----] followers, [--] engagements
"@erenbali True story: I was once on a business trip on the west coast saw my first ever Paris Baguette store & thought it was an actual rare and fancy bakery from Paris. Bought a cake & carried it all the way back to the family on a redeye. Then noticed there are [---] other PBs in the US"
X Link 2024-10-16T22:22Z [----] followers, [---] engagements
"I wonder if betting markets are becoming the new Google Flu Trends: they worked only as long as nobody was really watching. A Schroedinger's Cat Election kind of thing"
X Link 2024-10-17T18:48Z [----] followers, [----] engagements
"@natfriedman Finally got this bad boy off of eBay"
X Link 2024-10-18T12:48Z [----] followers, [----] engagements
"You are leaving out the much more important part of this: you needed to first get people convinced that completely incoherent ramblings are somehow indicative of leadership qualities or good policy ideas including smart people like you who would demand better from absolutely everyone else they deal with in life (like entrepreneurs pitching to you). If we collectively want a crude improv artist as a leader we should have Lorne Michaels at SNL cast him and forget about elections"
X Link 2024-10-26T14:35Z [----] followers, [---] engagements
"@RichardHanania Inspiring to hear the next president and the next White House press secretary discuss their views on "vaccine-derived polio""
X Link 2024-10-26T20:51Z [----] followers, [----] engagements
"@RichardHanania I still think this whole Trump campaign was one giant super clever piece of performance art and at the end Trump will rip off his mask and it was Dustin Hoffman all along or something like that. Through that lens it all makes sense"
X Link 2024-11-01T22:21Z [----] followers, [----] engagements
"I'm old enough to remember that Trump's odds on betting markets went above 80% on election night [----]. Even in the days after that they spiked back up. Sure they have more liquidity now. But Gamestop had a lot of liquidity too"
X Link 2024-11-06T01:13Z [----] followers, [----] engagements
"For all the (justified) angst about egomania & clinging to power getting in the way of good governance it is notable that the Supreme Court went right because a liberal didnt want to leave (RBG) and the presidency went right because a liberal didn't want to leave (Biden)"
X Link 2024-11-12T13:53Z [----] followers, [----] engagements
"Watch language models compete in a battle of design wits: check out our LLM Animator Arena. Type in a theme & it will ask @OpenAI o1 @deepseek_ai r1 and @AnthropicAI Claude to one-shot a creative animation in Javascript. "Mandelbrot set in 3D" (1/11) https://ai-animator-arena.replit.app/ https://ai-animator-arena.replit.app/"
X Link 2025-02-11T22:07Z [----] followers, [---] engagements
"3/11 "A sunflower field waving in the wind" @AnthropicAI Claude drawing like an expressionist o1 and r1 more business-like"
X Link 2025-02-11T22:07Z [----] followers, [--] engagements
"4/11 "Conway's Game of Life" All three LLMs actually code the cellular automaton correctly. Also fun: each one picks a different color I wonder what that says about each LLM's reinforcement learning"
X Link 2025-02-11T22:07Z [----] followers, [--] engagements
"@nikitabier Only problem with this from the business side: the period in between the arrival of that and the emergence of the AI just building better games without anyone telling it to might be very very short"
X Link 2025-03-13T15:28Z [----] followers, [---] engagements
"@annewoj23 You invented an entire industry and the individualization and personalization of healthcare has just started. I hope you stay firmly on that path we all need you"
X Link 2025-03-24T07:00Z [----] followers, [----] engagements
"Is Llama [--] better than Google Gemini Pro [---] or o3 Don't let the models practice to the test (benchmarks) instead ask them to paint cool stuff. Try it here: 1st: "Your emotions about your AI model existence" 2nd: "A Mandelbrot and a Julia set's baby" https://ai-animator-arena.replit.app/ https://ai-animator-arena.replit.app/"
X Link 2025-04-07T14:38Z [----] followers, [----] engagements
"The most impeccable market barometer over the past week really has been @DavidSacks. If you'd sold stocks every time he called the bottom you'd look like a genius. Truly the new @jimcramer"
X Link 2025-04-10T17:02Z [----] followers, [----] engagements
"I built an infinite zoom using AI upscalers. It takes any picture crops out the center upscales continues recursively then merges everything together. Super fun to run that in reverse. See at which point you can guess what this picture actually is from watching the reverse"
X Link 2025-05-04T16:15Z [----] followers, [---] engagements
"Central Park infinite zoom with a classical AI weirdness surprise at the end"
X Link 2025-05-04T16:25Z [----] followers, [---] engagements
"I personally checked a lot of their reserves and we proved a lot of those rumors wrong Hilariously worded endorsement of Tether's balance sheet by the son of the US commerce secretary. Well I guess it's fine as long as drug dealers and Russians are providing enough liquidity https://www.coindesk.com/consensus-toronto-2025-coverage/2025/05/14/cantor-fitzgerald-chairman-brandon-lutnick-says-he-personally-checked-tethers-reserves https://www.coindesk.com/consensus-toronto-2025-coverage/2025/05/14/cantor-fitzgerald-chairman-brandon-lutnick-says-he-personally-checked-tethers-reserves"
X Link 2025-05-16T13:33Z [----] followers, [---] engagements
"@chucky Thanks man When are you guys going public I see the chocolate everywhere these days"
X Link 2025-06-04T13:19Z [----] followers, [--] engagements
"@dp_oneill Excellent observation. In US healthcare if it isn't someone's immediate business model it won't happen. In most US healthcare segments 20% admin savings don't make enough of a difference to make them worth chasing. (In MA and ACA yes but MA was too poisoned with RA profits)"
X Link 2025-06-15T18:53Z [----] followers, [---] engagements
"@austin_rief That one was just a funny temporary value transfer I agree. The much less funny and permanent value transfer is Uber first putting lots of cabs out of business and then jacking up prices. They're a negative economic value add for society"
X Link 2025-06-18T00:09Z [----] followers, [----] engagements
"Weirdly this is maybe a market where regulation of supply works. similar argument in healthcare: great healthcare systems give private providers licenses AND then set the price for everyone (Switzerland). In a market like New York Uber extracted billions in economic rents for having introduced the idea of a car hailing app. which [--] months later even the yellow cabs had. Actually a very strange indictment of technology's impact in real life in that the efficiencies of algorithmically directing on-demand variable car supply never showed up anywhere"
X Link 2025-06-18T00:38Z [----] followers, [---] engagements
"Using Amazon's dumb customer service AI to chat about Amazon's dumb product AI (Astro the world's stupidest robot)"
X Link 2025-06-18T11:17Z [----] followers, [----] engagements
"We're probably all anxiously looking at maps of the Middle East these days. If you look south of Iran in the UAE you see one of the strangest polities on the globe the counter-enclave of Nahwa: - Oman has an enclave inside of the UAE (meaning Oman has a blob of territory that is entirely inside of the UAE) - But inside of that enclave the UAE has its own enclave (meaning the UAE has a blob of territory inside of that Oman-owned territory) In other words: an enclave is a disk of country A inside of country B but a counter-enclave is a ring of country A inside of country B"
X Link 2025-06-20T12:26Z [----] followers, [----] engagements
"A 2x2 matrix of countries that write left-to-right/right-to-left vs countries that drive on the right vs left side"
X Link 2025-06-26T16:33Z [----] followers, [----] engagements
"Superagent has to convert member questions into expectations of claims we would expect to see as a result of using care. Various sub-agents and our vast data on past claims deliver that. This "common (AI) sense" aspect of understanding healthcare is a crucial aspect of LLMs 4/5"
X Link 2025-08-13T18:38Z [----] followers, [----] engagements
"This is about more than efficiency: thinking through possible permutations that care journeys can take is just too complex for most of us. Not for an AI. Agents + high-tech Oscar systems of record + lots of data = future (96% correctness 93% completeness all manual answers). More here: https://www.hioscar.ai/blog/building-a-superagent-how-were-using-ai-to-explain-healthcare-faster https://www.hioscar.ai/blog/building-a-superagent-how-were-using-ai-to-explain-healthcare-faster"
X Link 2025-08-13T18:38Z [----] followers, [----] engagements
"@nikillinit Large employer plans are so laughably inefficient that any of those things you propose they do are a complete waste of effort. It's like celebrating that you haggled the guy in the Istanbul bazaar into giving you a 10% discount on that "authentic" leather jacket"
X Link 2025-08-26T21:55Z [----] followers, [----] engagements
"Vibe-coding in the enterprise: one of our security engineers vibe-coded a gamified employee tenure tool. Lots of software will be like this: some stable endpoints with lots of creative individualized apps on top. (nothing Workday could build would be more Oscar-like than this)"
X Link 2025-08-27T15:22Z [----] followers, [----] engagements
"@MikeWinterbauer The AI is no match for you. Raises the question though: when can we expect a new map from you Please"
X Link 2025-08-29T17:55Z [----] followers, [--] engagements
"@erenbali @monogram__ai @edouardtabet @akbal_m I love it. I wonder what will be your UI's Minesweeper"
X Link 2025-10-03T03:03Z [----] followers, [---] engagements
"Feels like the new LLM paper submission rate is slightly decelerating. Below is the # of papers per week on arxiv. I bet the launch of ChatGPT a) made teams write more papers quickly and b) made teams who were working on a paper rush to its launch so maybe things will slow down"
X Link 2023-04-29T22:26Z [----] followers, [---] engagements
"A persistent issue with LLMs is that while they generate next-best-token probabilities they don't currently generate "next-best-concept" probabilities - i.e. a degree of confidence in their general answer to a problem. It turns out that you can use the LLM itself to grade its own confidence (also studied for example in the recent @percyliang paper "Llamas Know What GPTs Don't Show"). We make similar observations in our claims explainer use case: when call-chaining GPT-4 to explain claims adjudication from detailed adjudication traces (see the first chart) GPT-4 can grade itself on the"
X Link 2023-11-17T19:28Z [----] followers, [----] engagements
"Excellent additions. And to be clear I am in no way defending the current system a lot of people have settled comfortably into its complexity. And the fact that insurers have kept rebates and discounts from large employers in the past is one of the many dumb things you get as a result of it. I just don't like these overly simplistic explanations people like to give for these issues like that video"
X Link 2025-02-25T02:12Z [----] followers, [---] engagements
"Of all economic value ever collectively and cumulatively produced by humanity since the year [--] AD the 20% threshold was passed in [----] by the US so Leo XIV got elected pope"
X Link 2025-05-09T02:04Z [----] followers, [---] engagements
"@CliffordAsness @BobEUnlimited Someone please create an index of hedge fund managers reacting prickly vs coolly to criticism"
X Link 2025-11-15T01:27Z [----] followers, [---] engagements
"@EvaVlaar I hear Moscow is nice this time of the year why don't you try that"
X Link 2026-01-14T19:42Z [----] followers, [----] engagements
"@shaunmmaguire The childish simplicity and stupid vacuousness with which you perceive the world around you astonishes me"
X Link 2026-01-25T21:25Z [----] followers, [----] engagements
"@Birdyword And this is just the price in USD. Much worse in other currencies or gold terms"
X Link 2026-01-29T20:31Z [----] followers, [----] engagements
"@elonmusk The fact that electrons have spin up and down and effectively are alien visitors from a two-dimensional space also follows directly from symmetry via special relativity and group theory https://x.com/i/status/1709189266805285134 (Part 1/3) A spinor is the most basic mathematical object that can be Lorentz-transformed: Obscure sentence that shows how a huge chunk of how our universe works emerges from very little. Three ingredients necessary to explain: special relativity + group theory + light https://t.co/1maCvju7H7 https://x.com/i/status/1709189266805285134 (Part 1/3) A spinor is"
X Link 2026-02-13T17:00Z [----] followers, [---] engagements
"@pickover If this was the complex plane the vector would be a + i b and its length would be a2 + b2 not a2 + (ib)2"
X Link 2021-11-30T02:11Z [----] followers, [--] engagements
"Full view of Oscar's code base. Most proud of the Prolog code"
X Link 2022-02-05T15:56Z [----] followers, [--] engagements
"@chrissyfarr One of our first investors tried to fire us when we said we want to do subway ads. But it's harder to build trust for someone's offline life with online ads and a lot of healthcare still happens offline. So it worked for us. (We still do it outside of NY state)"
X Link 2022-03-10T00:30Z [----] followers, [--] engagements
"@micsolana Weren't you guys the ones who were all about being free speech maximalists Has that position gotten inconvenient"
X Link 2022-04-19T13:54Z [----] followers, [--] engagements
"@nntaleb Jeff Bezos actually had a good quote on this one that has some merit: "I reserve the right to change my mind even in the absence of any new facts""
X Link 2022-05-03T21:32Z [----] followers, [--] engagements
"Good to remember that hospital EHR adoption really isn't very old at all (chart below has % hospitals with EHR). If you look at it this way EHRs being widely used at hospitals are a more recent innovation than bitcoin"
X Link 2022-05-17T02:38Z [----] followers, [--] engagements
"@pickover Any natural phenomenon where repeated independent tries occur with same probability creates a normal distribution. Best way to visualize that physically: the Galton Board or quincunx - balls falling from the top down sequential left/right junctions"
X Link 2022-05-29T17:55Z [----] followers, [---] engagements
"@APompliano @wclemente Right because if you light a hundred dollar bill on fire the ashes are worth $100. I have an urn to sell you"
X Link 2022-06-18T00:54Z [----] followers, [--] engagements
"@MarkGaleotti The other place where that is clearly going on is Fox News. Entire homepage devoid of any Ukraine/Russia mention. And because consistency in ideology isn't their strength either they do have a headline complaining about European withdrawals from Mali & ISIS"
X Link 2022-09-11T16:13Z [----] followers, [--] engagements
"@erenbali Baillie Gifford great investor said to us: in their 100+ yr experience best stock performance short-term driven by business results medium-term by highest product NPS long-term by best organization culture"
X Link 2022-10-02T16:00Z [----] followers, [---] engagements
".@getpeid Massive fan"
X Link 2022-10-02T17:17Z [----] followers, [---] engagements
"@JennaEllisEsq @RealMarkFinchem @elonmusk That's the guy who complained that his website wasn't showing up in Google when he had a noindex directive in his site. So my advice here would be to maybe first check if his computer is turned on"
X Link 2022-11-01T01:54Z [----] followers, [--] engagements
"We've reached peak HLTH vendor spam I just got this: "Lets talk about the health of your critical data fax capabilities at HLTH""
X Link 2022-11-10T22:44Z [----] followers, [--] engagements
"@toxvaerd1 The Lagrangian density of the electromagnetic field with F the field tensor and the greek symbols the Einstein summation notation (just means they run from [--] to 3)"
X Link 2022-12-12T19:58Z [----] followers, [---] engagements
"@alexandr_wang I used to think it's bad that videogames train kids on infinite iterations (save games & do over if you die). I think my kids' exec functioning is worse bc of that. However Post-transformer creation is all about costless iteration so maybe this is actually the future"
X Link 2022-12-25T19:19Z [----] followers, 33.4K engagements
"@nntaleb @jordanbpeterson @lexfridman Life would be better if we all adopted this as Peterson's 13th rule for life: "Peterson you idiot stay out of this""
X Link 2023-01-02T13:57Z [----] followers, 68.3K engagements
"@gdb The median speaker in meetings we record says [---] tokens/minute so you get almost [--] hours of spoken human dialog without any indexing/chaining/. great stuff"
X Link 2023-03-14T17:18Z [----] followers, 24.5K engagements
"@LinusEkenstam This is an adventure game that uses GPT-4 to give itself formal structure and then executes the game. GPT-3 tended to get confused with it GPT-4 does it impeccably well"
X Link 2023-03-15T02:06Z [----] followers, 190.2K engagements
"@DavidSacks This is a very well-known consequence of the fact that the non-farm payrolls report comes from a different survey than the unemployment report. Hedge funds traders economists know this. It says that on page 1: "This news release presents statistics from two monthly surveys.""
X Link 2023-06-03T20:26Z [----] followers, 59.3K engagements
"@Churchill198400 @DavidSacks Those two surveys have a decades-long history of co-existing in ways that are extremely well-understood. We live in an economy of [--] trillion dollars. Sure it's complex to measure unemployment. Has never really mattered beyond small short-term deviations"
X Link 2023-06-03T20:38Z [----] followers, [----] engagements
"@erenbali The best way to name rooms is "15 Min" "An Hour" "Next Year" because then people can say things like "let's meet in [--] Min" and "let's use Next Year" and meetings are fun again"
X Link 2023-06-07T20:42Z [----] followers, 30.3K engagements
"@buccocapital To be fair I think @RobertKennedyJr meant midichlorians not mitochondria"
X Link 2023-06-19T13:57Z [----] followers, [----] engagements
"We @OscarHealth are publishing our use cases prototypes ideas & research notes on using LLMs in healthcare. AI research moves too fast for companies to do this work behind closed doors so were sharing ours for others to read & comment: 1/ http://oscarai.notion.site http://oscarai.notion.site"
X Link 2023-06-28T19:33Z [----] followers, 100.8K engagements
"@DavidSacks 1) Interview is in German (which I speak) & you're badly mangling his words: 1) frontal massed attacks didn't work 2) Ukraine already switched & is having success now 3) more long-range weapons will significantly tilt balance. Also Reisner is a favorite to quote on Russian TV"
X Link 2023-07-06T16:10Z [----] followers, 10.3K engagements
"@DavidSacks But keep tweeting your takes you're around [---] putinophile tweets away from that Japanese soldier who hid in the jungle after WWII and was the last one to realize they'd lost"
X Link 2023-07-06T16:13Z [----] followers, [----] engagements
"@zebulgar Don't disagree w your point. But that chart has weird issues. Better to look at it in PPP. Also ppl under-appreciate how much population growth matters for GDP. US still better in GDP per capita (= best intuition for how rich country feels) but way better in pop growth"
X Link 2023-07-19T15:27Z [----] followers, [----] engagements
"Remarkable; but you also need this perspective: That bridge improvement supports a much larger economic multiplier than in [----]. Look at it in % nominal GDP: the bridge cost 0.037% of nominal GDP back then (inflation-unadjusted). Those nets cost 0.000002% of GDP today. We spend more but we also generate more. Nets builders buy more dishwashers today with their salaries than the guys in [----]. Can't really look at those two independently"
X Link 2023-09-09T13:48Z [----] followers, 31.2K engagements
"@PhysInHistory First: Klein-Gordon [---] Second: Riemann in 4D"
X Link 2023-09-10T23:19Z [----] followers, 12.7K engagements
"@toly @DavidSacks @TheStudyofWar Why do you think @davidsacks is piping up Probably picking up on discomfort from his Eastern friends who urgently need to buy some time. After all can't happen every day to lose a ship to a country without a navy. (Actually HAS recently happened every day.)"
X Link 2023-09-17T22:54Z [----] followers, [----] engagements
"The Oscar Medical Group (the virtual primary care group that operates our virtual care plan designs) has been using GPT-summarized lab test results for a few months. When lab results come back the Oscar EHR creates an automatic summary. Some learnings: when it comes to the summary provider behavior is fairly binary - either they delete the summary entirely or they make minimal changes. When it comes to the patient follow-up instructions providers tend to modify the AI-written summary a lot more - either to add personal style or to add context that the AI was missing. (Lots more context we can"
X Link 2023-10-18T23:04Z [----] followers, [----] engagements
"One of the more counterintuitive issues in U.S. healthcare is insurers explaining claims denials to providers. Counterintuitive because in theory claims adjudication is 100% deterministic so there should be no doubt about exactly why a particular claim didn't get paid. In practice it is very difficult to parse raw claims system output and then explain it in a human-understandable way. So we created a GPT-4-based claims payment explainer. Here is more detail on how we built it: First Oscar built its own claims system over many years. The system is based on our own domain-specific languages to"
X Link 2023-10-19T22:46Z [----] followers, 16K engagements
"Same is true for you buddy. At least @Osinttechnical a) tries to get it right & isn't afraid to admit when he's off and b) appears to be generally on the side of those appreciating human civilization not the kind of nihilists whose bidding you too often seem to do whether deliberately or not"
X Link 2023-10-22T19:37Z [----] followers, 16.1K engagements
"Generally true. With one big caveat: you seem to say employers are the solution. In fact employers are by far the biggest enabler of this rent-seeking system. We're asking the least quantitative people in any organization to manage healthcare costs. On a more or less random and constantly overturning population. It's like telling your engineering team that some centralized non-technical procurement team will now select their programming languages tools and libraries. (Actually that is how corporate software often works and precisely the reason why Workday and Concur are such terrible pieces"
X Link 2023-11-16T13:36Z [----] followers, 17.3K engagements
"The fourth law of thermodynamics: when health insurers run out of ideas they start merging with other health insurers"
X Link 2023-12-01T13:16Z [----] followers, [----] engagements
"This is exactly right. @vkhosla and @SamirKaul1 invested in Oscar [--] years ago and Vinod still shows up with a day notice at the office to quiz us on when AI is finally going to reduce our healthcare costs by 90% & offers to brainstorm. Legend. Thanks https://www.theinformation.com/articles/vinod-khosla-can-see-the-future-it-just-got-hazy-for-a-minute https://www.theinformation.com/articles/vinod-khosla-can-see-the-future-it-just-got-hazy-for-a-minute"
X Link 2023-12-01T17:56Z [----] followers, 107K engagements
"Not that anyone is going public any time soon but here is an important post-IPO learning that I bet most founders underestimate: turnover. Here is a chart of Oscar voluntary turnover vs the Oscar stock price (now back at $8.41 I think one of the best-performing healthcare stocks this year to date). [--] months after the IPO turnover went up by 2-3x. (This is the whole company so includes member services ops etc.) Our stock price journey was particularly painful so I don't know what this looks like if a stock just goes up. But anecdotally many people who left after the IPO still loved the company"
X Link 2023-12-02T18:07Z [----] followers, 18.8K engagements
"The [----] Medicare Advantage enrollment period is the first time that the number of people turning [--] every year is stagnating and from now on will only go sideways/down. (Medicare Advantage for 65+ has been the biggest profit drivers for most health insurers for the past [--] years.) So that annual second derivative boost is gone. Also funny how the number of MA plans available per potential customer was flat since [----] but then doubled in [----] because all insurers jumped in - right before the leveling-off was going to set in"
X Link 2023-12-05T22:57Z [----] followers, 39.3K engagements
"Large-scale AI models are a once-in-a-generation opportunity to improve healthcare. [--] of the most forward-thinking payers and providers got together to figure out how we leverage frontier AI models to drive the change we want to see in healthcare. Here are our commitments: @AllinaHealth @BassettNetwork @BostonChildrens @CuraiHQ @CVSHealth @DevotedHealth @DukeHealth @emoryhealthcare @EndeavorWNY @MHealthFairview @GeisingerHealth @HMHNewJersey @Health_First @MethodistHosp @johnmuirhealth @KeckMedicineUSC @mainlinehealth @MassGenBrigham @MedUnivSC @OscarHealth @OSFHealthCare @premera"
X Link 2023-12-14T18:10Z [----] followers, 59.4K engagements
"Here is another iteration of our LLM-based claims denial explainer. The root cause of claim denials can be notoriously intractable to understand for providers causing unnecessary friction and overhead in the healthcare system. We created Ocebot a system that uses GPT-4 to explain claim denials based on execution traces from the claims system we built at Oscar (called Ocelot). When we take the detailed output from Ocelot and feed it into GPT-4 it is able to explain what drove a claim denial but only for simple claims. Previously we improved on this performance by starting out with a "skeleton"
X Link 2023-12-19T01:36Z [----] followers, 57.5K engagements
"In the category of "everybody knows this but every time you look at it it's still insane": price per colonoscopy in various Oscar markets. Always stunning how much higher outpatient prices are vs ambulatory surgery centers. But what's even more interesting is how ambulatory surgery centers actually seem to exhibit some characteristics of an open market: way lower price variation for one. (This kind of data used to be guarded jealously by insurers now you can just piece it together yourself from the cost transparency files we all have to generate. Great progress and we've only begun to see the"
X Link 2023-12-20T15:01Z [----] followers, 14.9K engagements
"This article in the New York Times about record enrollment in the ACA has a photo of an enrollment kiosk from Las Madrinas ("the godmothers"). There is an incredible story here. Odalys and Mercy the two founders were individual AIG life insurance agents in Miami. They realized that Obamacare would enable them to get their clients health insurance coverage for the first time. So over just [--] years they built a juggernaut of an agency and have gotten hundreds of thousands of previously uninsured into coverage (see the Obamacare kiosks all over Miami). Oscar is proud to have been their"
X Link 2023-12-22T13:59Z [----] followers, 15.4K engagements
"@jeffiel One of the insane knowledge management issues in an organization is that the longer you've been there the more Google Drive document access you have. If I tell newbies at Oscar to search the g drive for something they get few hits. Weird superpower of veterans"
X Link 2024-01-10T03:41Z [----] followers, 45.8K engagements
"Simple insight in how members select primary care physicians: first chart shows what happens when Oscar auto-assign primary care physicians based on various metrics like cost and quality - the farther away the less likely the member is to actually visit. Second chart shows the same logic for members who select their own PCP (e.g. in the Oscar onboarding workflow): no relation to distance. Either a good sign of loyalty to PCPs or a sign that those members see their PCP while at work or at a different address. (More on PCP loyalty in a different post soon)"
X Link 2024-01-10T11:52Z [----] followers, 16.3K engagements
"Oscar's growth to 1.3M members is a case study in the power of long-term trends and the fallacy of short-term blips. It always seemed obvious to us that a well-functioning U.S. individual healthcare market would eventually win out. But that it had to go through early legislative sabotage (risk corridor defunding) almost getting killed off in [----] a pandemic subsequent Medicaid redeterminations red states' eventual enthusiastic embrace and now the unstoppable force of employer market individualization (ICHRA) would have been impossible to predict. Lesson for healthcare startups is to optimize"
X Link 2024-01-12T11:14Z [----] followers, 29.3K engagements
"Data from the Oscar Medical Group's AI-written messaging summaries: the time it takes to document visits to virtual care providers via secure messages dropped by around 30% with automated summaries. The chart below shows how providers are using the AI-written summaries. Interesting: 47% of the time providers added data points - but most of those were specific data points that the model had no knowledge of like specific lab results or the next follow-up appointment. Points to a clear opportunity for improvement (make the longer-term memory accessible - we have all that data already). Post is"
X Link 2024-01-23T16:42Z [----] followers, 10.8K engagements
"Technology grind in healthcare: we chose to build our own EHR for the Oscar Medical Group back in [----]. The OMG providers didn't like it for a long time (I guess that's par for the course for EHRs but still painful). Finally it's looking up. Lots of small improvements. Plus some LLM impact in here more recently (generating records from secure messaging consultations lab test summaries etc.). Lessons are 1) don't build an EHR and 2) if you do a short 4+ years later you will be very happy you did"
X Link 2024-02-07T22:22Z [----] followers, 26.7K engagements
"I still think that to be a real company you have to be a public company. But I can confirm that losing 94% of your value is as soul-crushing as it seems (not to mention for our investors). I always felt confident that we had all the bones to get the company on track but when you are plumbing your lowest stock price lows you wonder: what even are the historical odds that a stock comes back from a 94% peak-to-trough drawdown like the one OSCR experienced Here is the answer: in a universe of [----] publicly traded companies with a trough valuation of at least $50M there were [---] companies over the"
X Link 2024-02-09T21:33Z [----] followers, 237.5K engagements
"Some numbers on why you need LLMs behind the scenes in customer service teams: in the Oscar concierge teams we store all of our knowledge in one (pre-LLM simple search) system. When care guides can't answer a member question they escalate it to a content expert. When the content expert closes the case they evaluate whether the care guide could have answered the question with materials available in the knowledge management system: for 66% of escalations the answer is yes. So the knowledge is there and systematically accessible all along but people don't find it. Different perspective from a"
X Link 2024-02-22T14:14Z [----] followers, 13.4K engagements
"Google draws some low-stakes pictures wrong and the stock crashes; United crashes half the healthcare system and the stock is up. Couldn't find a better illustration of how little product performance and competitiveness matter in healthcare vs all other industries"
X Link 2024-02-26T23:27Z [----] followers, 16.8K engagements
"One of the biggest missed opportunities in U.S. healthcare is that as a society we could be investing in better outcomes for everyone which would save money in the long term - but often doesnt happen because it costs more in the short term. Here is a hands-on example that Oscar has lived through in practice: PrEP drugs. PrEP (pre-exposure prophylaxis for HIV) refers to medications taken by people at elevated risk of HIV infection; they are an incredible scientific feat quite effective and can nearly eliminate HIV risk for adherent patients. When the first drug came out it was without"
X Link 2024-03-05T22:32Z [----] followers, 28.5K engagements
"Surprised @DavidSacks hasn't congratulated Putin to his hard-earned election victory. What a lack of civility"
X Link 2024-03-17T22:05Z [----] followers, 27.6K engagements
"This annual chart by @Rock_Health is always a great illustration why the employer-sponsored healthcare model is such an ineffective idea: nobody wants their employer playing a role in managing their healthcare. (Nobody wants the tech companies either btw.) ICHRA FTW"
X Link 2024-03-19T01:12Z [----] followers, 16.9K engagements
"Some notes from augmenting our 'find care' search with LLMs: the Oscar app has long had an omni-search bar that is able to distinguish between reasons for visit providers facilities and drugs. Way back in the days we had a SNOMED- and Unified Medical Language System-based search but that sometimes produced funky results so over the years we replaced it with hand-tuned rules-based matching logic. Of course this should be an ideal use case for LLMs. So a subset of members now have a new LLM-based search enabled. The question as always is how to balance producing relevant results (precision)"
X Link 2024-04-05T00:00Z [----] followers, [----] engagements
"U.S. healthcare is full of this type of financial doom loops: - Set a fantasy artificial inflated price - Invent a business that negotiates a bit of a discount - Charge for the imaginary cost savings. Another great example here Multiplan & out-of-network pricing: All this works because those who are supposed to ultimately manage the healthcare dollar - self-insured employers - are just preposterously incapable of driving any kind of market efficiencies and doing this responsibly. (The Affordable Care Act marketplaces in contrast are way closer to driving these efficiencies: hard to overcharge"
X Link 2024-04-07T14:43Z [----] followers, 23.1K engagements
"Here is Oscar data from the last (partial) eclipse in NY in [----]. Conclusions: - The medical term for "staring at the sun too long" is solar retinopathy - Members were 30x more likely to seek care for solar retinopathy in the month following the eclipse vs. a regular month - Don't stare at the sun for too long"
X Link 2024-04-08T18:50Z [----] followers, 28.2K engagements
"Oscar Health for the quarter ended March [--] 2024: - Total Revenue of $2.1 billion a 46% increase YoY - Medical Loss Ratio of 74.2% a [---] bps improvement YoY - SG&A Expense Ratio of 18.4% an [---] bps improvement YoY - Net Income of $177.4 million or $0.62 of earnings per share a $217.1 million improvement YoY - Adjusted EBITDA of $219.3 million a $168.2 million improvement YoY - Reaffirming full year [----] outlook = Individualizing health insurance with tech works. Just took a little longer than we naively thought"
X Link 2024-05-07T10:09Z [----] followers, 51.3K engagements
"Cool video that the great folks at @OpenAI shot at Oscar Health showing some of our use cases: https://www.youtube.com/watchv=rnC10yXhj4M https://www.youtube.com/watchv=rnC10yXhj4M"
X Link 2024-06-06T19:14Z [----] followers, 13.7K engagements
"We had an onsite with our engineering product and design directors+ this week. To kick it off we did a 20-min game coding challenge: use @OpenAI GPT-4o and @amasad's @Replit to write a game in [--] minutes. It is a super fun exercise highly recommend it. Almost zero prep necessary people loved it and it's the most practical way to get a better intuition for everyone on where code generation intelligence stands these days. Here are the games (each is from a group of 3-4): https://oscar-tech-game-challenge.replit.app/ https://oscar-tech-game-challenge.replit.app/"
X Link 2024-06-14T17:54Z [----] followers, 33K engagements
"@celinehalioua I am with you. Hiring towards a more diverse team was never incompatible with also building a meritocracy. The world isn't that black and white literally and figuratively"
X Link 2024-06-18T17:23Z [----] followers, [----] engagements
"@levie @DavidSacks David Sacks proud democracy saver in the tradition of the My Pillow guy Drunk Giuliani and squirrelly stapler guy from the Justice Dept"
X Link 2024-07-24T06:40Z [----] followers, [----] engagements
"There have been fewer deaths per capita from wars than any time in human history over the past decades real interest rates have been lower than any time in the last [----] years (enabling Silicon Valley to begin with) and the Marines' Hymn talks about Tripoli (the North Africa one not the Wisconsin one) because the whole reason the US Navy exists in the first place is to protect global trade routes vital to US prosperity. And the reason most Western countries including the US went from conscription to purely professional armies is for the same reason - a liberal global order and US projection"
X Link 2024-07-24T13:15Z [----] followers, 62.7K engagements
"@elonmusk You should switch back to ketamine the cocaine isn't doing it for you"
X Link 2024-07-27T10:29Z [----] followers, [----] engagements
".@JoshuaKushner is a unique blend of friend entrepreneur and investor in that order. And the exceptional team at Thrive has built the fund into an organization that embodies exactly those values. They are an incredible partner to founders and startups and few of those of us who built with them would be where we are without their enduring support. Congratulations on the raise & thank you for all the great work. We are humbled to announce the close of Thrive IX. Exceeding $5 billion Thrive IX comprises $1 billion designated for early-stage investments and $4 billion designated for growth-stage"
X Link 2024-08-05T13:04Z [----] followers, 11.4K engagements
"@JoeyMannarinoUS Right and that's also what Jesus taught (given that you are a Roman Catholic per your bio). I think it's in the Gospel of Adolf 4:2"
X Link 2024-08-12T20:02Z [----] followers, [----] engagements
"I think LLMs will clearly change children's education. Let me show you an example: a few months ago my daughter applied to a new school (she's 10). She built a graphical text adventure using @Replit and @Scenario_gg with @GitHubCopilot and a basic game structure from me. (This all got even easier recently with the new @cursor_ai.) Here she is explaining it: Here is the game (which is very meta because part of the phobias the kids in it have to overcome is that of going to a new school - she did get in btw): Get your kids these tools and do some pair programming with them - schools still"
X Link 2024-09-03T22:07Z [----] followers, 11.7K engagements
"@charliebilello We already have the solution for this: it's a competitive transparent marketplace. For [--] years in a row now employer healthcare cost inflation has vastly outpaced ACA inflation. ACA premium CAGR: 3.7% employer premium CAGR: 5.6% since [----]. The employer market is the problem"
X Link 2024-09-10T12:41Z [----] followers, [----] engagements
"@shaunmmaguire Oh you're going with "technically no police died on exactly that day" when 1) getting beaten up with a flagpole on the steps of the Capitol isn't really all that great either and b) even your search screenshot below speaks to the [--] policemen who were affected right after. Sure"
X Link 2024-09-11T01:56Z [----] followers, 73.8K engagements
"@KonstantinKisin Hahahahahahahaha"
X Link 2024-09-11T21:37Z [----] followers, [----] engagements
"Yesterday OpenAI dropped a preview of a new model o1. Our initial observations are that the o1-preview model is more autonomous in generating steps to solve problems more precise and handles complex tasks with higher consistency. The more digestible formatting of outputs and its increased sense of confidence relative to 4o help too. o1-preview will unlock new use cases & accelerate time to deployment for existing use cases in healthcare. Here are several healthcare examples. 1/6"
X Link 2024-09-13T23:14Z [----] followers, 83.1K engagements
"I will keep posting this chart everywhere. Putting people into a single risk pool (21 million & counting for the ACA) letting them choose a plan and making sure that plans are entirely transparent creates a better-functioning marketplace. I agree that the CMS regulation forcing payers and providers to publish their contracted rates has been generally a great thing but it has done virtually nothing to push costs down so far. (The opposite: it has driven costs UP in some markets.) The end user needs to put competitive pressure on this. The end user is all of us and not employers' HR"
X Link 2024-09-16T17:11Z [----] followers, 12.3K engagements
"@PhysInHistory Wrong. He has 6s in all the math and physics courses. 4s are in geography "artistic drawing" and "technical drawing". "Naturgeschichte" is a [--] and that could be an old word for physics (Newton called himself a "natural philosopher") but that's actually biology"
X Link 2024-09-21T20:39Z [----] followers, [----] engagements
"@nikillinit I've been meaning to print out that guy's collected works because I ran out of toilet paper. Incredible example of Silicon Valley's lottery winner phenomenon"
X Link 2024-10-06T20:16Z [----] followers, [----] engagements
"So sad that the genius entrepreneur @elonmusk is blowing his chances to have a hugely positive impact on government by hitching his wagon to a lunatic he thinks he can control rather than putting together a bipartisan ticket over the next [--] years that many of us could get behind"
X Link 2024-10-13T17:41Z [----] followers, 13.1K engagements
"@mansourtarek_ Sure just like $6B valuation on $4M of revenues is an appropriate efficient market valuation"
X Link 2024-10-18T15:01Z [----] followers, [----] engagements
"LFG We are excited to announce our [----] market expansion plans The Oscar experience will now be available in [---] markets across [--] states in [----]. Oscar is also launching new affordable health insurance products designed to empower individuals to lead healthy lives on their own https://t.co/LxFNUNTDJJ We are excited to announce our [----] market expansion plans The Oscar experience will now be available in [---] markets across [--] states in [----]. Oscar is also launching new affordable health insurance products designed to empower individuals to lead healthy lives on their own"
X Link 2024-10-21T15:28Z [----] followers, [----] engagements
"Yes this all leaked out long before the articles. When Oscar Health started to expand we went to see Elizabeth in early [----]. (The security circus around her even in her own office was a sight to behold.) She was incredibly gracious and took copious notes. But we wanted a lab test network and testing capacity from her and she kept trying to convince us to rent her beautiful website to just visualize Quest and Labcorp lab results instead of testing with her own tech. It was strange. Nevertheless the week after back in NY I excitedly told the company at our weekly all hands that we're talking"
X Link 2024-10-31T13:32Z [----] followers, 19.6K engagements
"@AlecStapp @danprimack Found this old email talking about our Theranos experience We met the Apple folks on the same day and the contrast couldn't have been more hilarious"
X Link 2024-10-31T15:03Z [----] followers, [----] engagements
"@SquawkCNBC That guy hasn't made money since [----] when his intern told him about the housing trade. Why is anyone listening to him"
X Link 2024-11-04T14:25Z [----] followers, [----] engagements
"@BillAckman @VDHanson @realDonaldTrump "I hate free trade so here are some tariffs" - Trump "He just wants others to reduce their own trade barriers" - you "Bring manufacturing jobs back to US" - Trump "But things will still be cheap because robots" - Lutnick I hope you see the issue here: 1% plan 99% winging it"
X Link 2025-04-05T02:03Z [----] followers, 10.5K engagements
"This is just a hilariously misguided understanding of macroeconomics. The US is at zero risk of defaulting on its debt (because it's denominated in its own currency) so why the f would the repayment schedule matter. This isn't a mortgage refinancing where you're trying to time the market on low interest rates. In the history of the world countries have had [--] pathways to reduce their debt load: (1) inflate it away (1950s US 1970s Italy) (2) default on it (Argentina Mexico) (3) grow your way out of it (1980s Belgium 2020s Greece). Treasury yields do not reflect some kind of short-term"
X Link 2025-04-05T02:41Z [----] followers, 17.2K engagements
"Must be lovely to be a guy like you w/o any real responsibilities beyond yelling performatively at real CEOs & builders in earnings calls. You think any of us in the real world have time to wait around for any of that If I even organized my kids' birthday parties this unseriously I'd be fired"
X Link 2025-04-05T21:28Z [----] followers, 121.5K engagements
"@BillAckman @realDonaldTrump To your earlier comment on "patriotic traders keeping a steady hand": why don't you show us your portfolio so we can all see which great American businesses you are supporting with your LPs' hard-earned money during these so unexpectedly uncertain times"
X Link 2025-04-05T21:31Z [----] followers, 10.1K engagements
"@RichardHanania Hard to overstate how insane this is. I'm here on a greencard (and created plenty of jobs). Do I have to worry about getting snatched up & locked into a foreign prison Really not much of a difference between me and some of these cases now coming to light"
X Link 2025-04-14T22:31Z [----] followers, [----] engagements
"@lukecaverns I zoomed in all the way for you https://infinitezoom.replit.app/viewer/55 https://infinitezoom.replit.app/viewer/55"
X Link 2025-05-08T00:35Z [----] followers, [----] engagements
"@RichardHanania Reminds me of @nntaleb 13th rule for life: "Peterson you idiot stay out of this""
X Link 2025-05-26T22:09Z [----] followers, [----] engagements
"Oscar has joined the Fortune [---] for the first time. I know what you're thinking and I agree: what only now But because vibe-analyzing now takes [--] minutes here are some stats: - Only newcomer in the healthcare industry category named to the list this year - Only company on the list founded [--] years ago one of [--] companies founded [--] years ago. Making the list [--] years after founding puts us in the top decile in terms of speed. In healthcare only [--] companies on the list are [--] years old - 50%+ revenue growth rate vs. 4% median for healthcare companies on the list - We have 5x"
X Link 2025-06-02T20:31Z [----] followers, 207K engagements
"The other day I noticed something very cool: the most important equation describing particles in physics is basically the same as the most important equation describing risk in finance - with one crucial difference. Behold: the Schrdinger equation in quantum mechanics and the Black-Scholes equation in finance. We will turn these into a quantum theory of finance. Includes vibe-coded simulation so read on 🧵"
X Link 2025-06-03T22:31Z [----] followers, 19.1K engagements
"Hard to keep up with putting out press releases when you launch a lot of stuff all the time so here is some data on something we've had in production since Dec 2024: our intake bot that runs the initial conversation before virtual care consultations with the Oscar Medical Group. Our doctors can deliver more care: - 95% of providers reported time savings; with over 50% reporting saving [--] minutes per consult - Directional reduction in provider messages for most common RFVs like sore throat and UTI - Shorter consult durations in asynchronous messaging Patients stay more engaged: - 11% increase"
X Link 2025-06-12T15:23Z [----] followers, 19K engagements
"@RichardHanania Good reminder of a crucial flaw in many people's minds: overestimating Russia's relative size. Countries like Brazil are now way bigger (210M) than the (shrinking) Russia (144M). If they didn't have the former Communist glory (and nuclear weapons) they'd be global also-rans"
X Link 2025-06-18T17:09Z [----] followers, [----] engagements
"Chart from last year's investor day but I love it as the best illustration of what we have to do: drive down healthcare costs. In a stable individual market there is way more competitive pressure to make healthcare affordable. All of US healthcare will go direct to consumer"
X Link 2025-06-20T13:03Z [----] followers, [----] engagements
"@shai_wininger Happy Lemonade customer btw"
X Link 2025-07-02T04:21Z [----] followers, 10.3K engagements
"More awesome AI tools coming soon from Oscar thanks to @OpenAI and their excellent work on GPT-5 Were proud Oscar was featured in OpenAIs GPT-5 launch as a real-world example of AI in healthcare. Oscar has been using GPT-5 and what they found is that it's the single best model for clinical reasoning. Think matching complex medical policy to patient conditions. https://t.co/IgpZF8F33J Were proud Oscar was featured in OpenAIs GPT-5 launch as a real-world example of AI in healthcare. Oscar has been using GPT-5 and what they found is that it's the single best model for clinical reasoning. Think"
X Link 2025-08-07T19:38Z [----] followers, [----] engagements
"For the past month or so a lot of the most complicated @OscarHealth member questions about how the healthcare system works have been answered by @OpenAI models (with a final coding push that came from GPT-5). Some stats and technical details: 1/5"
X Link 2025-08-13T18:38Z [----] followers, 77.9K engagements
"In [----] IBM became one of the first large employers to adopt 401(k)s. It became a bellwether for the individualization of stock ownership - with a pretty straight line from there to ETFs commission-free trading and eventually even r/wallstreetbets. Gradually then suddenly. Today legendary employee-owned midwest grocery chain Hy-Vee is launching an individual employer (ICHRA) plan with @OscarHealth. We have a chance to make this a bellwether for the individualization of the U.S. healthcare system. ICHRA will create a totally different healthcare system with so much consumer value and so many"
X Link 2025-08-14T16:55Z [----] followers, 11.2K engagements
"Mark on life and @OscarHealth a must-see Ive never heard a life story like this. Mark enduring insane hardship with his son and then decades of extreme pain but as he describes the pain so impacts his brain that he also becomes a sort of business terminator during this period of pain. Im not sure how he survived https://t.co/VsZyL2JYj5 Ive never heard a life story like this. Mark enduring insane hardship with his son and then decades of extreme pain but as he describes the pain so impacts his brain that he also becomes a sort of business terminator during this period of pain. Im not sure how"
X Link 2025-08-19T18:25Z [----] followers, 21.8K engagements
"Pretty awesome how easy @OpenAI has now made it to create voice agents & great to be featured in this launch announcement with @OscarHealth https://openai.com/index/introducing-gpt-realtime/ https://openai.com/index/introducing-gpt-realtime/"
X Link 2025-08-29T13:23Z [----] followers, [----] engagements
"The individual market is the healthcare market of the future and Oscar is building it. To that end we are raising additional financing. We are thrilled with the support from old and new investors. This capital positions Oscar for long-term growth. We have many more products and people to reach and the member experience and technology to make it happen. Let's go."
X Link 2025-09-16T14:07Z [----] followers, 71.8K engagements
"How a company starts: mine were never a straight line. I have some data: since [----] I've been tracking everything I do to the minute. So I went back and looked what % of time went into Oscar. Coffee with @JoshuaKushner with the idea in March started reading about health insurance; Supreme Court upheld the ACA in June; brought on the first experienced insurance contractors in August; first regulator meeting on Oct [--] and only then we really got going. So many other things looked more reasonable than starting a health insurer (writing a data science textbook with my friend @sepkamvar who was at"
X Link 2025-09-27T21:29Z [----] followers, [----] engagements
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