PCP Lens Podcast

Podcast - Good Intentions, Bankrupt Doctors

March 12, 2026·13 min
Episode Description from the Publisher

DescriptionValue-based care is supposed to save money, but for independent physicians, it's often a structural trap. Using a custom financial simulation model, I break down the mechanics of these contracts when well-meaning insurance companies try to help independent ACOs by funding the infrastructure costs. Discover how and why primary care physicians can go bankrupt even when they get “free money” under value-based care.Chapter Markers* 00:00 - Intro* 00:48 - Step 1-3: Setting up ACO, Pot of Gold, and Reality Sets in* 03:19 - Step 4: Insurance Company as Funder* 05:54 - Step 5: Outcomes* 10:01 - Step 6: Multi-Year Projection* 10:24 - Step 7: Monte Carlo Simulation* 12:27 - Final ThoughtsLink to Written Article Link to VideoSubscribe to my YouTube Channel Please see the Disclaimer on the PCPLens "About" Page. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.pcplens.com

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