Stephen Dubner

In cases like that, how intentional and or strategic is it? Is that the firm making it harder to, in this case, cancel because canceling means less money and they're trying to profit maximize by essentially not letting you cancel? Is that what it's about or is it more incompetence or is it something else?

When we started working on these episodes, we asked listeners to send in examples of sludge in their lives. And a lot of them did have to do with medical sludge.

When we started working on these episodes, we asked listeners to send in examples of sludge in their lives. And a lot of them did have to do with medical sludge.

When we started working on these episodes, we asked listeners to send in examples of sludge in their lives. And a lot of them did have to do with medical sludge.

One reason that healthcare sludge is such a big problem is that healthcare is such a big industry. It makes up nearly 20% of our GDP and it employs more people than any other industry. So I went back to Richard Thaler to find out more about healthcare sludge. Talk to Ben about that. Talk to Ben about that, he says. In the history of Freakonomics Radio, there's only been one ironclad rule.

One reason that healthcare sludge is such a big problem is that healthcare is such a big industry. It makes up nearly 20% of our GDP and it employs more people than any other industry. So I went back to Richard Thaler to find out more about healthcare sludge. Talk to Ben about that. Talk to Ben about that, he says. In the history of Freakonomics Radio, there's only been one ironclad rule.

One reason that healthcare sludge is such a big problem is that healthcare is such a big industry. It makes up nearly 20% of our GDP and it employs more people than any other industry. So I went back to Richard Thaler to find out more about healthcare sludge. Talk to Ben about that. Talk to Ben about that, he says. In the history of Freakonomics Radio, there's only been one ironclad rule.

Let's take that example and drill down a bit. Where does that sludge come from? Is the insurer just not working hard enough to keep their database updated? Maybe they don't have the commercial incentive to do so. Or are they intentionally making it harder to find a doctor because if the customer doesn't find a doctor, the insurer won't have to pay?

Let's take that example and drill down a bit. Where does that sludge come from? Is the insurer just not working hard enough to keep their database updated? Maybe they don't have the commercial incentive to do so. Or are they intentionally making it harder to find a doctor because if the customer doesn't find a doctor, the insurer won't have to pay?

Let's take that example and drill down a bit. Where does that sludge come from? Is the insurer just not working hard enough to keep their database updated? Maybe they don't have the commercial incentive to do so. Or are they intentionally making it harder to find a doctor because if the customer doesn't find a doctor, the insurer won't have to pay?

Or is the list maybe a mess because doctors are moving out of insurer networks because doctors have encountered so much sludge?

Or is the list maybe a mess because doctors are moving out of insurer networks because doctors have encountered so much sludge?

Or is the list maybe a mess because doctors are moving out of insurer networks because doctors have encountered so much sludge?

Let me just devil's advocate that for a second. Providing health care is obviously more complicated than providing technology. you know, a box of paperclips, even if the paperclips are coming from a factory in China that you have no relationship with, there are middlemen who make that really easy. And it's a commodity product.

Let me just devil's advocate that for a second. Providing health care is obviously more complicated than providing technology. you know, a box of paperclips, even if the paperclips are coming from a factory in China that you have no relationship with, there are middlemen who make that really easy. And it's a commodity product.

Let me just devil's advocate that for a second. Providing health care is obviously more complicated than providing technology. you know, a box of paperclips, even if the paperclips are coming from a factory in China that you have no relationship with, there are middlemen who make that really easy. And it's a commodity product.

And health care is not a commodity product on either the provider or the consumer side. So I think we can all understand why it would be a lot more complicated to find let's say a good specialist within my healthcare plan than it would be to find the paper clips that I want on Amazon.

And health care is not a commodity product on either the provider or the consumer side. So I think we can all understand why it would be a lot more complicated to find let's say a good specialist within my healthcare plan than it would be to find the paper clips that I want on Amazon.

And health care is not a commodity product on either the provider or the consumer side. So I think we can all understand why it would be a lot more complicated to find let's say a good specialist within my healthcare plan than it would be to find the paper clips that I want on Amazon.

That said, as you just noted, these healthcare firms are among the biggest firms in the country and healthcare is one of the biggest industries. So overall, how costly is all this sludge? Not just in dollars and time loss, but in healthcare not provided.