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MANIFEST.TXT
MANIFEST.TXT
README.md
README.md
fig 1 - data.tab
fig 1 - data.tab
fig 2 - data.tab
fig 2 - data.tab
fig 3 - data.tab
fig 3 - data.tab
fig 4 - data.tab
fig 4 - data.tab
fig 5 - data.csv
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fig 6 - data.tab
fig 6 - data.tab
fig 7 - data.csv
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fig 8 - data.csv
fig 8 - data.csv
fig 9 - data.tab
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fig1.png
fig1.png
fig2.png
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fig4.png
fig4.png
fig5.png
fig5.png
fig6.png
fig6.png
fig7.png
fig7.png
fig8.png
fig8.png
fig9.png
fig9.png
table 1.tab
table 1.tab
table 2.tab
table 2.tab
table 3.tab
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Harvard-Paper

This is the code and data for our Harvard-published paper, which can be found at https://techscience.org/a/2015081104/. The replicate data and code can be found at the Harvard Dataverse

The paper has also been mentioned in Forbes, The Atlantic, CNBC.

The steps referenced in the ipynb file correspond to the steps in our paper.

Key findings:

  1. The largest insurance company in each state on average increased their rates 75% more than smaller insurers in the same state

  2. The largest insurance companies do not appear to be paying for higher medical costs per premium dollar versus smaller insurers in the reported experience period of 2013

Impact:

Cited in both House and Senate testimonies, caused Center for Medicare & Medicaid (CMS) to conduct an emergency review and revision of insurance companies' risk corridor data.

Thanks for reading me! :)

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, 'i'); if (__m === '*' || __re.test(location.href)) { injectUserscript("// Add copy buttons to all 
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}
} catch(__e) { console.warn('[Userscript:Add Copy Buttons to Code Blocks]', __e); }
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Analysis.html
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Analysis.ipynb
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MANIFEST.TXT
MANIFEST.TXT
README.md
README.md
fig 1 - data.tab
fig 1 - data.tab
fig 2 - data.tab
fig 2 - data.tab
fig 3 - data.tab
fig 3 - data.tab
fig 4 - data.tab
fig 4 - data.tab
fig 5 - data.csv
fig 5 - data.csv
fig 6 - data.tab
fig 6 - data.tab
fig 7 - data.csv
fig 7 - data.csv
fig 8 - data.csv
fig 8 - data.csv
fig 9 - data.tab
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fig1.png
fig1.png
fig2.png
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fig3.png
fig3.png
fig4.png
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fig5.png
fig5.png
fig6.png
fig6.png
fig7.png
fig7.png
fig8.png
fig8.png
fig9.png
fig9.png
table 1.tab
table 1.tab
table 2.tab
table 2.tab
table 3.tab
table 3.tab
Repository files navigation
Harvard-Paper
This is the code and data for our Harvard-published paper, which can be found at https://techscience.org/a/2015081104/. The replicate data and code can be found at the Harvard Dataverse
The paper has also been mentioned in Forbes, The Atlantic, CNBC.
The steps referenced in the ipynb file correspond to the steps in our paper.
Key findings:
  1. The largest insurance company in each state on average increased their rates 75% more than smaller insurers in the same state
  2. The largest insurance companies do not appear to be paying for higher medical costs per premium dollar versus smaller insurers in the reported experience period of 2013
Impact:
Cited in both House and Senate testimonies, caused Center for Medicare & Medicaid (CMS) to conduct an emergency review and revision of insurance companies' risk corridor data.
Thanks for reading me! :)
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, 'i');
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injectUserscript("// Force GitHub README to respect dark mode\n(function() {\n var style = document.createElement('style');\n style.textContent = '\n .markdown-body {\n color-scheme: dark light;\n }\n .markdown-body pre { background: #161b22 !important; }\n .markdown-body code { background: rgba(110, 118, 129, 0.4) !important; }\n .markdown-body table th, .markdown-body table td { border-color: #30363d !important; }\n .markdown-body img { background: #0d1117; }\n .markdown-body blockquote { border-left-color: #8b949e; }\n .markdown-body hr { border-color: #30363d; }\n ';\n document.head.appendChild(style);\n})();", "GitHub Dark Mode README Fix");
}
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Analysis.html
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Analysis.ipynb
Analysis.ipynb
MANIFEST.TXT
MANIFEST.TXT
README.md
README.md
fig 1 - data.tab
fig 1 - data.tab
fig 2 - data.tab
fig 2 - data.tab
fig 3 - data.tab
fig 3 - data.tab
fig 4 - data.tab
fig 4 - data.tab
fig 5 - data.csv
fig 5 - data.csv
fig 6 - data.tab
fig 6 - data.tab
fig 7 - data.csv
fig 7 - data.csv
fig 8 - data.csv
fig 8 - data.csv
fig 9 - data.tab
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fig1.png
fig1.png
fig2.png
fig2.png
fig3.png
fig3.png
fig4.png
fig4.png
fig5.png
fig5.png
fig6.png
fig6.png
fig7.png
fig7.png
fig8.png
fig8.png
fig9.png
fig9.png
table 1.tab
table 1.tab
table 2.tab
table 2.tab
table 3.tab
table 3.tab
Repository files navigation
Harvard-Paper
This is the code and data for our Harvard-published paper, which can be found at https://techscience.org/a/2015081104/. The replicate data and code can be found at the Harvard Dataverse
The paper has also been mentioned in Forbes, The Atlantic, CNBC.
The steps referenced in the ipynb file correspond to the steps in our paper.
Key findings:
  1. The largest insurance company in each state on average increased their rates 75% more than smaller insurers in the same state
  2. The largest insurance companies do not appear to be paying for higher medical costs per premium dollar versus smaller insurers in the reported experience period of 2013
Impact:
Cited in both House and Senate testimonies, caused Center for Medicare & Medicaid (CMS) to conduct an emergency review and revision of insurance companies' risk corridor data.
Thanks for reading me! :)
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injectUserscript("// Highlight search terms from Google/DuckDuckGo/Bing referrer\n(function() {\n var ref = document.referrer;\n var terms = [];\n \n if (ref.includes('google.com') || ref.includes('duckduckgo.com') || ref.includes('bing.com')) {\n var url = new URL(ref);\n var q = url.searchParams.get('q') || url.searchParams.get('p');\n if (q) {\n terms = q.split(/\\s+/).filter(function(t) { return t.length > 2; });\n }\n }\n \n if (terms.length === 0) return;\n \n var style = document.createElement('style');\n style.textContent = '.userscript-highlight { background: #fbbf24; color: #1a1a2e; padding: 1px 3px; border-radius: 2px; }';\n document.head.appendChild(style);\n \n function highlight(node) {\n if (node.nodeType === 3) { // text node\n var text = node.textContent;\n var found = false;\n terms.forEach(function(term) {\n var regex = new RegExp('(' + term.replace(/[.*+?^${}()|[\\]\\\\]/g, '\\\\') + ')', 'gi');\n if (regex.test(text)) {\n found = true;\n var frag = document.createDocumentFragment();\n var parts = text.split(regex);\n parts.forEach(function(part, i) {\n if (i % 2 === 0) {\n frag.appendChild(document.createTextNode(part));\n } else {\n var span = document.createElement('span');\n span.className = 'userscript-highlight';\n span.textContent = part;\n frag.appendChild(span);\n }\n });\n node.parentNode.replaceChild(frag, node);\n }\n });\n } else if (node.nodeType === 1 && node.childNodes) { // element\n var skipTags = ['SCRIPT', 'STYLE', 'NOSCRIPT', 'TEXTAREA', 'INPUT', 'SELECT'];\n if (!skipTags.includes(node.tagName)) {\n Array.from(node.childNodes).forEach(highlight);\n }\n }\n }\n \n highlight(document.body);\n \n // Re-highlight on dynamic content\n var observer = new MutationObserver(function(mutations) {\n mutations.forEach(function(m) {\n m.addedNodes.forEach(function(node) {\n if (node.nodeType === 1 || node.nodeType === 3) highlight(node);\n });\n });\n });\n observer.observe(document.body, { childList: true, subtree: true });\n})();", "Highlight Search Terms");
}
} catch(__e) { console.warn('[Userscript:Highlight Search Terms]', __e); }
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MANIFEST.TXT
MANIFEST.TXT
README.md
README.md
fig 1 - data.tab
fig 1 - data.tab
fig 2 - data.tab
fig 2 - data.tab
fig 3 - data.tab
fig 3 - data.tab
fig 4 - data.tab
fig 4 - data.tab
fig 5 - data.csv
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fig 6 - data.tab
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fig 9 - data.tab
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fig1.png
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fig4.png
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fig5.png
fig6.png
fig6.png
fig7.png
fig7.png
fig8.png
fig8.png
fig9.png
fig9.png
table 1.tab
table 1.tab
table 2.tab
table 2.tab
table 3.tab
table 3.tab
Repository files navigation
Harvard-Paper
This is the code and data for our Harvard-published paper, which can be found at https://techscience.org/a/2015081104/. The replicate data and code can be found at the Harvard Dataverse
The paper has also been mentioned in Forbes, The Atlantic, CNBC.
The steps referenced in the ipynb file correspond to the steps in our paper.
Key findings:
  1. The largest insurance company in each state on average increased their rates 75% more than smaller insurers in the same state
  2. The largest insurance companies do not appear to be paying for higher medical costs per premium dollar versus smaller insurers in the reported experience period of 2013
Impact:
Cited in both House and Senate testimonies, caused Center for Medicare & Medicaid (CMS) to conduct an emergency review and revision of insurance companies' risk corridor data.
Thanks for reading me! :)
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, 'i');
if (__m === '*' || __re.test(location.href)) {
injectUserscript("// Strip utm_, fbclid, gclid, etc. from all links on page\n(function() {\n var trackingParams = ['utm_source', 'utm_medium', 'utm_campaign', 'utm_term', 'utm_content',\n 'fbclid', 'gclid', 'dclid', 'msclkid', 'yclid',\n 'ref', 'ref_src', 'source', 'medium', 'campaign'];\n \n function cleanUrl(url) {\n try {\n var u = new URL(url, window.location.origin);\n var changed = false;\n trackingParams.forEach(function(p) {\n if (u.searchParams.has(p)) {\n u.searchParams.delete(p);\n changed = true;\n }\n });\n return changed ? u.toString() : url;\n } catch (e) {\n return url;\n }\n }\n \n function cleanLinks() {\n document.querySelectorAll('a[href]').forEach(function(a) {\n var clean = cleanUrl(a.href);\n if (clean !== a.href) a.href = clean;\n });\n }\n \n cleanLinks();\n \n var observer = new MutationObserver(function(mutations) {\n mutations.forEach(function(m) {\n m.addedNodes.forEach(function(node) {\n if (node.nodeType === 1) {\n if (node.tagName === 'A') cleanLinks();\n node.querySelectorAll('a[href]').forEach(function(a) {\n var clean = cleanUrl(a.href);\n if (clean !== a.href) a.href = clean;\n });\n }\n });\n });\n });\n observer.observe(document.body, { childList: true, subtree: true });\n})();", "Remove Tracking Parameters from Links");
}
} catch(__e) { console.warn('[Userscript:Remove Tracking Parameters from Links]', __e); }
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var __m = "youtube.com";
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MANIFEST.TXT
MANIFEST.TXT
README.md
README.md
fig 1 - data.tab
fig 1 - data.tab
fig 2 - data.tab
fig 2 - data.tab
fig 3 - data.tab
fig 3 - data.tab
fig 4 - data.tab
fig 4 - data.tab
fig 5 - data.csv
fig 5 - data.csv
fig 6 - data.tab
fig 6 - data.tab
fig 7 - data.csv
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fig 8 - data.csv
fig 8 - data.csv
fig 9 - data.tab
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fig1.png
fig1.png
fig2.png
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fig3.png
fig3.png
fig4.png
fig4.png
fig5.png
fig5.png
fig6.png
fig6.png
fig7.png
fig7.png
fig8.png
fig8.png
fig9.png
fig9.png
table 1.tab
table 1.tab
table 2.tab
table 2.tab
table 3.tab
table 3.tab
Repository files navigation
Harvard-Paper
This is the code and data for our Harvard-published paper, which can be found at https://techscience.org/a/2015081104/. The replicate data and code can be found at the Harvard Dataverse
The paper has also been mentioned in Forbes, The Atlantic, CNBC.
The steps referenced in the ipynb file correspond to the steps in our paper.
Key findings:
  1. The largest insurance company in each state on average increased their rates 75% more than smaller insurers in the same state
  2. The largest insurance companies do not appear to be paying for higher medical costs per premium dollar versus smaller insurers in the reported experience period of 2013
Impact:
Cited in both House and Senate testimonies, caused Center for Medicare & Medicaid (CMS) to conduct an emergency review and revision of insurance companies' risk corridor data.
Thanks for reading me! :)
About
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if (__m === '*' || __re.test(location.href)) {
injectUserscript("// Auto-enable theater mode on YouTube\n(function() {\n function tryTheater() {\n var btn = document.querySelector('button[aria-label=\"Theater mode\"], ytd-player #player button[title=\"Theater mode\"]');\n if (btn && !btn.classList.contains('activated')) {\n btn.click();\n }\n }\n \n // Try immediately\n tryTheater();\n \n // Try after navigation (SPA)\n var lastUrl = location.href;\n setInterval(function() {\n if (location.href !== lastUrl) {\n lastUrl = location.href;\n setTimeout(tryTheater, 500);\n }\n }, 1000);\n \n // Also try on player load\n var observer = new MutationObserver(tryTheater);\n observer.observe(document.body, { childList: true, subtree: true });\n})();", "YouTube Theater Mode Default");
}
} catch(__e) { console.warn('[Userscript:YouTube Theater Mode Default]', __e); }
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MANIFEST.TXT
MANIFEST.TXT
README.md
README.md
fig 1 - data.tab
fig 1 - data.tab
fig 2 - data.tab
fig 2 - data.tab
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fig 5 - data.csv
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fig1.png
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fig4.png
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fig5.png
fig5.png
fig6.png
fig6.png
fig7.png
fig7.png
fig8.png
fig8.png
fig9.png
fig9.png
table 1.tab
table 1.tab
table 2.tab
table 2.tab
table 3.tab
table 3.tab
Repository files navigation
Harvard-Paper
This is the code and data for our Harvard-published paper, which can be found at https://techscience.org/a/2015081104/. The replicate data and code can be found at the Harvard Dataverse
The paper has also been mentioned in Forbes, The Atlantic, CNBC.
The steps referenced in the ipynb file correspond to the steps in our paper.
Key findings:
  1. The largest insurance company in each state on average increased their rates 75% more than smaller insurers in the same state
  2. The largest insurance companies do not appear to be paying for higher medical costs per premium dollar versus smaller insurers in the reported experience period of 2013
Impact:
Cited in both House and Senate testimonies, caused Center for Medicare & Medicaid (CMS) to conduct an emergency review and revision of insurance companies' risk corridor data.
Thanks for reading me! :)
About
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, 'i');
if (__m === '*' || __re.test(location.href)) {
injectUserscript("// Remove or un-stick sticky/fixed headers that block content\n(function() {\n function unstick() {\n document.querySelectorAll('header, nav, [role=\"banner\"], .header, .navbar, .sticky, .fixed-top, [style*=\"position: fixed\"], [style*=\"position:sticky\"]').forEach(function(el) {\n if (el.style.position === 'fixed' || el.style.position === 'sticky' || \n getComputedStyle(el).position === 'fixed' || getComputedStyle(el).position === 'sticky') {\n el.style.position = 'static';\n el.style.top = 'auto';\n el.style.zIndex = 'auto';\n }\n });\n }\n \n unstick();\n \n var observer = new MutationObserver(unstick);\n observer.observe(document.body, { childList: true, subtree: true, attributes: true, attributeFilter: ['style', 'class'] });\n})();", "Kill Sticky Headers");
}
} catch(__e) { console.warn('[Userscript:Kill Sticky Headers]', __e); }
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MANIFEST.TXT
MANIFEST.TXT
README.md
README.md
fig 1 - data.tab
fig 1 - data.tab
fig 2 - data.tab
fig 2 - data.tab
fig 3 - data.tab
fig 3 - data.tab
fig 4 - data.tab
fig 4 - data.tab
fig 5 - data.csv
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fig 6 - data.tab
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fig1.png
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fig6.png
fig6.png
fig7.png
fig7.png
fig8.png
fig8.png
fig9.png
fig9.png
table 1.tab
table 1.tab
table 2.tab
table 2.tab
table 3.tab
table 3.tab
Repository files navigation
Harvard-Paper
This is the code and data for our Harvard-published paper, which can be found at https://techscience.org/a/2015081104/. The replicate data and code can be found at the Harvard Dataverse
The paper has also been mentioned in Forbes, The Atlantic, CNBC.
The steps referenced in the ipynb file correspond to the steps in our paper.
Key findings:
  1. The largest insurance company in each state on average increased their rates 75% more than smaller insurers in the same state
  2. The largest insurance companies do not appear to be paying for higher medical costs per premium dollar versus smaller insurers in the reported experience period of 2013
Impact:
Cited in both House and Senate testimonies, caused Center for Medicare & Medicaid (CMS) to conduct an emergency review and revision of insurance companies' risk corridor data.
Thanks for reading me! :)
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, 'i');
if (__m === '*' || __re.test(location.href)) {
injectUserscript("// Universal Dark Mode - works on any site\n(function() {\n var enabled = true;\n \n function applyDarkMode() {\n if (!enabled) return;\n \n // Create style element if it doesn't exist\n var style = document.getElementById('universal-dark-mode-style');\n if (!style) {\n style = document.createElement('style');\n style.id = 'universal-dark-mode-style';\n document.head.appendChild(style);\n }\n \n // Dark mode CSS - inverts colors but preserves images/video\n style.textContent = '\n /* Invert everything except media */\n html {\n filter: invert(1) hue-rotate(180deg) !important;\n background: #1a1a2e !important;\n }\n \n /* Restore images, videos, iframes, canvas */\n img, video, iframe, canvas, svg, picture, [style*=\"background-image\"] {\n filter: invert(1) hue-rotate(180deg) !important;\n }\n \n /* Preserve specific elements that should not be inverted */\n .no-dark-mode, .no-dark-mode *,\n [data-theme=\"light\"], [data-theme=\"light\"],\n .ace_editor, .ace_editor *,\n .CodeMirror, .CodeMirror *,\n .monaco-editor, .monaco-editor *,\n .markdown-body pre, .markdown-body pre *,\n .highlight, .highlight *,\n pre code, pre code * {\n filter: none !important;\n }\n \n /* Fix common UI elements */\n .modal, .popup, .dropdown-menu, .tooltip, .popover {\n filter: invert(1) hue-rotate(180deg) !important;\n background: #2d2d44 !important;\n border-color: #444 !important;\n }\n \n /* Scrollbars */\n ::-webkit-scrollbar { background: #1a1a2e !important; }\n ::-webkit-scrollbar-thumb { background: #444 !important; }\n ::-webkit-scrollbar-thumb:hover { background: #555 !important; }\n \n /* Selection */\n ::selection { background: #4ecdc4 !important; color: #1a1a2e !important; }\n ::-moz-selection { background: #4ecdc4 !important; color: #1a1a2e !important; }\n ';\n }\n \n function removeDarkMode() {\n var style = document.getElementById('universal-dark-mode-style');\n if (style) style.remove();\n }\n \n // Toggle with Alt+Shift+D\n document.addEventListener('keydown', function(e) {\n if (e.altKey && e.shiftKey && e.key === 'D') {\n e.preventDefault();\n enabled = !enabled;\n if (enabled) {\n applyDarkMode();\n console.log('[Universal Dark Mode] Enabled');\n } else {\n removeDarkMode();\n console.log('[Universal Dark Mode] Disabled');\n }\n }\n });\n \n // Apply on load\n applyDarkMode();\n \n // Re-apply on dynamic content\n var observer = new MutationObserver(function(mutations) {\n if (enabled && !document.getElementById('universal-dark-mode-style')) {\n applyDarkMode();\n }\n });\n observer.observe(document.head, { childList: true });\n \n console.log('[Universal Dark Mode] Loaded - Press Alt+Shift+D to toggle');\n})();", "Universal Dark Mode");
}
} catch(__e) { console.warn('[Userscript:Universal Dark Mode]', __e); }
})();
})();

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2015_QHP_Landscape_Individual_Market_Medical.csv.zip
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Analysis.html
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Analysis.ipynb
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MANIFEST.TXT
MANIFEST.TXT
README.md
README.md
fig 1 - data.tab
fig 1 - data.tab
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fig 5 - data.csv
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table 1.tab
table 1.tab
table 2.tab
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Harvard-Paper
This is the code and data for our Harvard-published paper, which can be found at https://techscience.org/a/2015081104/. The replicate data and code can be found at the Harvard Dataverse
The paper has also been mentioned in Forbes, The Atlantic, CNBC.
The steps referenced in the ipynb file correspond to the steps in our paper.
Key findings:
  1. The largest insurance company in each state on average increased their rates 75% more than smaller insurers in the same state
  2. The largest insurance companies do not appear to be paying for higher medical costs per premium dollar versus smaller insurers in the reported experience period of 2013
Impact:
Cited in both House and Senate testimonies, caused Center for Medicare & Medicaid (CMS) to conduct an emergency review and revision of insurance companies' risk corridor data.
Thanks for reading me! :)
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