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3 keys to fixing healthcare in North Carolina

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This article was provided by our sponsor, NC Center for Health and Democracy

On Wednesday, April 26, the North Carolina Center for Health and Democracy hosted an in-person and livestream discussion panel about the state of healthcare in North Carolina. Wendell Potter, former health insurance executive, New York Times bestselling author, and advocate for payor reform, released his new white paper, “How Do We Fix Healthcare in North Carolina?” and led a panel discussion with Dr. David McLennan, director of the Meredith Poll. The discussion took place at Meredith College and covered topics including consumer sentiments around healthcare in North Carolina, current proposals in the state legislature, and potential solutions.

A recording of the event is available to stream at nchealthanddemocracy.org

The United States healthcare system is facing significant challenges, including lack of insurance competition, a lack of governmental accountability for health insurers, and the increasing practice of regulatory capture from insurers. In the panel discussion, Dr. McLennan and Potter shared some solutions to these persistent problems facing not only North Carolina, but the rest of the country.

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North Carolina needs more health insurance competition.

One of the first steps to help fix healthcare in North Carolina is diversifying health insurance options. One of four companies offering small group health insurance in North Carolina, Blue Cross Blue Shield of North Carolina (BCBSNC) is the largest health insurer in the state. According to data from Healthcare Insider, BCBSNC holds a 97% market share for private insurance. Each year, the competition keeps shrinking: Since 2011, North Carolina health insurers decreased 35%, from 31 to 11.

Dr. McLennan’s fall 2022 Meredith Poll found that more than 42% of those surveyed said their current private health insurance provider was the only option provided by their employer. In the panel discussion, Dr. McLennan encouraged employers to diversify the number of health insurance options they offer employees. The fewer the number of options, the more dissatisfaction there is among consumers over their health insurance plan, he shared. Therefore, giving employees more options could increase employee retention and satisfaction

According to Potter, a lack of competition among health insurers is one of the major reasons for high prices. Although BCBSNC and Wellcare of North Carolina are both available in over 100 counties across North Carolina, they are some of the most expensive, with BCBSNC costing $628 a month and Wellcare running $925.21. Increasing competition among health insurers, he posits, should help reduce health care prices. During the panel discussion, Potter said that the impact of competition is where state lawmakers should be looking, in terms of reforms and changes to the current model, to benefit patients, not just health insurers. “You need to look at not what is best for Blue Cross, but what is best for patients here in North Carolina. Lawmakers should be looking at what can be done to increase [competition],” said Potter.

The North Carolina Legislature and governor need to put parameters on health insurers.

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BCBSNC has filed a bill with the legislature in North Carolina to transfer its assets to a new nonprofit holding company that would operate without regulatory constraints that are normally imposed by state law. According to an article by NC Health News, BCBSNC currently has $7.7 billion in asset, including $4.5 billion in reserves. The bill would allow health insurer executives to move a portion of the $4.5 billion in policyholder reserves to the holding company.

The bill is an attempt to work around North Carolina regulations by moving BCBSNC from a hospital service company designation to a holding company with fewer regulatory burdens. At the same time, the bill appears to allow the health insurer to continue its marketplace dominance in North Carolina.

Some state lawmakers are speaking out against the bill. North Carolina Insurance Commissioner Mike Causey, for instance, recently said the bill was a bad idea because the company would be deregulated. After a recent news event, Causey stood in front of a screen that read: “This bill is about corporate greed.”

In the panel discussion, Potter and Dr. McLennan shared that the BCBSNC bill shows that the state legislature priorities need to be refocused on patients and access to care in North Carolina, not on maintaining market share and shuffling money around. More transparency, not less, is needed to ensure health insurer premiums and revenues are helping people—not profits.

Health insurers must undergo lobbying reform.

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During the panel discussion, Potter talked about a term he called “regulatory capture,” which is the revolving door between health insurers and regulatory agencies. It isn’t uncommon for health insurance leaders to leave the industry and become a state insurance commissioner or serve as a representative to insurance commissioner associations.

While this kind of movement is not unique to the healthcare industry, it should be something that state legislatures or state governors look at when it comes to the appointment of health insurance commissioners. Potter also shared that most health insurers are very aggressive when it comes to donating to political campaigns, political action committees, and helping promote lawmakers they feel should be in power. This in turn, he said, increases their influence within the market.

Consolidation as it relates to competition is also a key concern. Potter noted during the event horizontal consolidation, large insurers buying up smaller health insurers and pushing into the healthcare service space, is more common. In fact, the largest employer of physicians isn’t a hospital or health system, but Optum, a subsidiary of UnitedHealth Group, with over 80,000 physicians. With health insurers playing a bigger role as an employer and provider for out-patient services, more should be done to determine if insurers are trying to push patients toward a designated preferred provider over those of a hospital.

This article was provided by our sponsor, NC Center for Health and Democracy



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North Carolina

How will NC industries be impacted with Trump in office?

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Republican President-elect Donald Trump returns to the White House on Monday, vowing swift action on a host of issues that could impact nearly every American — and could have a particularly profound effect on North Carolina’s economy.

Reporter : Kelsey Coffey
Photographer : Mark Olexik
Web Editor : Jessica Patrick

Posted 2025-01-20T07:13:38-0500 – Updated 2025-01-20T07:13:38-0500



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Transitional shelter assistance extended for Helene victims in western NC, FEMA says

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Transitional shelter assistance extended for Helene victims in western NC, FEMA says


Federal Emergency Management Administration (FEMA) officials announced on Sunday that they extended transitional sheltering assistance to families in western North Carolina affected by Hurricane Helene.

According to FEMA, residents and families receiving hotel lodging while looking for alternative housing will be allowed to stay in hotels until May 25, with hotel check-out on May 26.

“This is a positive development,” North Carolina Gov. Josh Stein said on X. “I pledge to work with the new administration to support displaced North Carolinians and help folks recover.”

The extension comes after reports of people being kicked out of hotels FEMA provided.

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“If any survivors still need housing assistance or feel their TSA eligibility ended in error, they should immediately call the FEMA helpline at 1-800-621-3362,” FEMA said on Monday.

If you were impacted by this situation and would like to share your experience with WRAL, go to wral.com/reportit.



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Major update in gruesome murder of glamorous North Carolina realtor found dead inside her townhouse

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Major update in gruesome murder of glamorous North Carolina realtor found dead inside her townhouse


A major breakthrough has developed in the gruesome murder of a glamorous North Carolina realtor who was found ‘wrapped in bloody bedding’ inside her luxury townhouse.

The lifeless body of Charlotte real estate agent Whitney Hurd, 32, was discovered in her upscale South Park home last July after she was reported missing by her family.

She was brutally stabbed to death in the chest, according to an autopsy report released in October.

After six months without an update, police finally have a lead in the case.

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Brandon Braxton, 34, a man with a disturbing criminal past, has been named a person of interest, according to a search warrant of his home on unrelated charges.

Braxton is currently behind bars at Mecklenburg County Jail on unrelated charges.

His troubling criminal history includes allegations of misdemeanor larceny, simple assault, injury to real property and indecent exposure. 

It is unclear if he has entered a plea to those charges, and their respective case is still ongoing.

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The lifeless body of Charlotte realtor Whitney Hurd, 32, was discovered in her upscale SouthPark townhouse last July after she was reported missing by her family

Brandon Braxton, 34, a man with a disturbing criminal past, has been named a person of interest in the chilling case (July 24, 2024)

Brandon Braxton, 34, a man with a disturbing criminal past, has been named a person of interest in the chilling case (July 24, 2024)

Just last week, while investigators were building their case in Hurd’s murder, Braxton was arrested for allegedly stealing from a woman and punching a man in the face – adding to his lengthy criminal record. 

Lindsey Newsome was running a dog adoption fundraiser at a south Charlotte restaurant when she said she had a terrifying encounter with Braxton.

‘He started talking to me a little bit saying he had been wanting to adopt a dog,’ Newsome told WSOC-TV.

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What started as an innocent conversation quickly turned frightening.

‘I was screaming for help. I said, ‘He’s got my money, he’s got my money. Can you help me?” she recalled after Braxton allegedly snatched her bag and fled.

A good Samaritan tackled Braxton near a hotel and held him in a chokehold until police arrived – before getting punched in the face by the suspect.

‘I was just scared. I was in shock,’ Newsome said of the ordeal.

Court records reveal a disturbing pattern of alleged violence that has escalated recently. 

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Brandon Braxton's January 2 mug shot
Brandon Braxton's other mug shot from his recent arrest
Brandon Braxton's October 2024 mug shot

Braxton’s violent history has continued to escalate in recent months. Just last week, while investigators were building their case in Hurd’s murder, Braxton was arrested for allegedly stealing from a woman and punching a man in the face – adding to his lengthy criminal record

In the days before the fundraiser incident, Braxton allegedly threw a brick through a man’s window in Ballantyne, punched a man in the face at a gas pump in the same area, and shattered a Harris Teeter window on Providence Road with a rock.

Police documents note Braxton is known for ‘random acts of violence.’

Just months after Hurd’s death, Braxton was arrested again in October – this time for indecent exposure.

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Search warrants reveal that investigators discovered ‘clothing, shoes and a knife’ during a search of Braxton’s property.

A subsequent warrant requesting DNA swabs stated there was ‘probable cause that a murder has been committed and that the DNA of Brandon David Braxton… is evidence of that murder.’

Despite mounting evidence, Charlotte-Mecklenburg Police have not officially named suspects in Hurd’s death.

He is set to remain in custody in the meantime for those unrelated charges.

Hurd, described by friends as a vivacious 32-year-old in Charlotte’s competitive real estate market, vanished without a trace on July 11, 2024. 

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Her luxury BMW, which had sparked a citywide search, was recovered a week later under circumstances police have kept quiet

Her luxury BMW, which had sparked a citywide search, was recovered a week later under circumstances police have kept quiet

The desperate search for the beloved realtor came to a tragic end when a private investigator hired by her family made the horrifying discovery.

‘I’m helping the family look for a missing daughter… the body’s here,’ the investigator told 911 operators in a haunting call that would mark the beginning of a six-month investigation.

The young realtor’s body was found ‘wrapped in a pile of bloody bedding’ inside her townhome off Werburgh Street in the exclusive Magnolia Park community.

Her luxury BMW, which had sparked a citywide search, was recovered a week later under circumstances police have kept quiet.

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‘It was something we’re not used to happening in this area,’ Carolina Harris, a neighbor who lives just doors away from the crime scene, told WBTV.

Another resident, Tyler Everett, expressed the community’s growing unease.

‘I’m close to that same age so you don’t think of that being a possibility,’ Everett told WBTV.

‘It was devastating for everybody around here and to not know anything is obviously concerning as well.’

Investigators delved into Hurd’s activity on the dating app Hinge, where her mother revealed she ‘was active’ and ‘was talking to several different men’ before her death.

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The young realtor's body was found 'wrapped in a pile of bloody bedding' inside her townhouse off Werburgh Street in the exclusive Magnolia Park community

The young realtor’s body was found ‘wrapped in a pile of bloody bedding’ inside her townhouse off Werburgh Street in the exclusive Magnolia Park community 

But it was fingerprint evidence that led authorities to Braxton, court documents show.

‘They were friends since high school and Whitney has always been generous and loving to anyone in need.’

Since the gruesome murder, community members have expressed growing fears.

‘I live only half a mile from where Whitney did and am terrified of going out alone now. I went to high school with her as well and remember her as such a sweet, beautiful person. If anyone who knows her is reading this, I would help organize something for justice and awareness,’ one resident posted.

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Her obituary describes Hurd as a vivacious young woman whose life was cut short.

A proud graduate of Providence High School and the University of South Carolina graduating in 2014, Hurd was remembered for her ‘infectious smile and laugh.’

She was a devoted aunt to her nephew Camden and niece Catherine, whom she adored deeply, and a loving member of Delta Delta Delta sorority.

She also cherished her cute mini Bernadoodle, Luna, her obituary states.



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