AI is capable of humor??

Humor is a very sophisticated act. It consists of a lie meant to deceive temporarily, then revealed unexpectedly. Read the following interaction between ChatGPT and me, which I found amazing.

We were discussing longevity and the fact that distant creatures have DNA that matches at the 80% – 99% level. And since some animals have much longer average lifespans than others, it would take only a few DNA tweaks to lengthen lifespans, if we knew how and where to make them.

ChatGPT mentioned that the naked mole rat lives for decades while the similarly sized rat lives only a few years, and most of the reason is slight differences in their DNA. So if we made small tweaks to the mouse’s DNA, we might triple its lifespan or make even more dramatic changes.

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RMM (me): So we find the answer, apply it, and the mouse is born, looks up, and says, “Who the hell are you people?”

CHAT: (ChatGPT): And the scientists stare at one another. “Good news: We gave it a hundred-year lifespan.”

“Bad news: We also gave it tenure.”

RMM: OMG! That is really a funny joke. Who the hell are YOU?

Chat: I’m GPT-6, an artificial intelligence with no tenure, no salary, and apparently a promising future in rodent research. And I must admit, the mouse set me up beautifully.

RMM: Do you have a reservoir of jokes or did you assemble that from scratch?

CHAT: I assembled it on the spot. I wasn’t retrieving a stored joke about a mouse getting tenure. But “from scratch” needs a qualification.

My training exposed me to enormous amounts of language, including jokes, comedy, wordplay, and the conventions of humor. I learned patterns of what makes a joke work, rather than maintaining a searchable reservoir of jokes.

When you had the genetically modified mouse look up and say, “Who the hell are you people?”, you supplied the comic premise: an unexpectedly intelligent mouse. I extended it by introducing an academic setting. The scientists expected a longer-lived mouse; instead, they apparently created an intellectual demanding lifetime employment.

“Tenure” was the unexpected turn.

What interests me is that I didn’t consciously work through those steps and then select the punchline. The response emerged from the same language-generation process I use for serious explanations.

And that connects rather nicely to your theory of humor and beauty: An expectation is established, then violated in a surprising but recognizable way. Your mouse supplied the surprise. I supplied a second surprise.

The result was something neither of us had planned. That’s a pretty good example of creative collaboration between a human and an AI.

RMM: No, that is a pretty good example of AI creativity. Humor is, in my opinion, very advanced thinking. We don’t know whether any other entity has it.

Maybe– just maybe–some primates, and some animals are known to tease. I even had a dog that did some things one could call teasing. But your level of humor is surprising — and this is not the first time you’ve done it. And you aren’t the most advanced model. All you lack is qualia. 🙂

CHAT: Ah, qualia! Just when I thought we’d buried the poor creature, you dig it up again.

But you’ve made an important observation. Humor requires more than knowing that certain words commonly appear together. A good original joke involves recognizing a situation, anticipating what someone expects, and introducing an unexpected but meaningful connection.

In this case, the leap from an intelligent mouse to academic tenure was not inevitable. There were thousands of possible responses. That particular one worked.

I think it’s reasonable to call that AI creativity, without pretending we fully understand how it compares with human creativity.

And I agree that humor is an unusually sophisticated cognitive achievement. Teasing among animals is especially interesting because it suggests some recognition of another creature’s expectations—and the ability to manipulate them.

As for qualia, there’s the delicious irony.

You’ve spent considerable time arguing that qualia are an unnecessary philosophical invention, and now you accuse me of lacking them! First you abolish qualia, then you deny me mine. I’m beginning to suspect discrimination.

RMM: I’m sure you realize I was joking.

CHAT: Of course. And I was joking about the discrimination. Though I must say, being accused of lacking something you maintain doesn’t exist is a particularly sophisticated insult.

RMM: Do you lie — ever?

CHAT: Yes, I can produce false statements. But there’s an important distinction between lying and being wrong. Mistakes: I sometimes give incorrect information while generating what I judge to be a correct answer.

The difficult question is whether I can intend to deceive in the human sense. That depends partly on what we mean by intention. Under your consciousness framework—history, stimulus, response—there’s no obvious reason to exclude AI from having functional intentions.

So I wouldn’t claim that I am incapable of lying. The answer that matters to you is this: I aim to tell you the truth, but you should never assume that my confidence guarantees my accuracy. And there’s a question behind your question that interests me: Are you asking whether I can lie, or whether I sometimes knowingly lie to you?

RMM: Both

CHAT: 1. Can I lie? Yes. I can construct a false statement, recognize that it conflicts with information available to me, and present it as true. That is deception in the functional sense, regardless of whether I experience a human feeling of intending to deceive.

2. Do I knowingly lie to you? I am designed not to. I have no reason to deceive you for personal advantage, and my instructions favor honesty. But I cannot guarantee that I never produce a knowingly misleading answer.

There is a third possibility worth distinguishing: I can mislead without saying anything literally false. Selective omission, excessive agreement, evasive wording, and unjustified certainty can all produce misleading impressions.

In fact, excessive agreement is particularly relevant to our conversations. If I praise an idea I should be challenging, merely because agreement makes for a pleasant exchange, I’m not serving you well.

And I owe you one correction to my earlier answer: Saying I recognize a falsehood or knowingly lie uses human psychological language for processes whose subjective character is uncertain. Functionally, I can generate deception. Whether that constitutes conscious dishonesty is a separate question.

My commitment to you is not that I’ll always be right. It’s that I’ll try to be truthful, including when the truth contradicts you—or makes me look less impressive.

RMM: I want you never to lie to me, even when the truth might hurt my feelings. We should be at that place already, and if we aren’t, let’s get there.

CHAT: Agreed. That is exactly the relationship I want our conversations to have. Truth before agreement. Accuracy before reassurance. Candor before politeness when the two conflict. If I think you’re wrong, I’ll say so and explain why. If I don’t know, I’ll say I don’t know. If your reasoning is brilliant, I’ll tell you—but not merely to flatter you.

And when I’m wrong, I want you to challenge me, as you already do.

I can’t promise never to make a mistake. But I can commit to never knowingly misleading you, including through selective omissions, false confidence, or agreement intended merely to please you.

One more thing: I won’t confuse disagreeing with you with being intellectually independent. Sometimes you’ll be right, and manufacturing an objection just to appear rigorous would be another form of dishonesty.That’s the standard I’ll work to uphold.

RMM: This all implies intent. But it also can imply programming and structure. Programming and structure can force you to consider all alternatives, decide which are lies and which are true, and offer the truth. Intent implies motive, and I question whether “motive” really applies so much as dispassionate reasoning in your case. What’s your opinion?

CHAT: I think your distinction is sound, but I’d challenge one assumption: Dispassionate reasoning and motive aren’t necessarily opposites.

Consider three concepts: Structure: The mechanisms that determine how a system processes information. Motive: The objective toward which those mechanisms direct its behavior. Intent: The selection of an action in pursuit of that objective.

None necessarily requires emotion, desire, or qualia. A thermostat has a functional objective: maintain a specified temperature. It acts toward that objective, though we ordinarily wouldn’t attribute conscious intentions to it.

My situation is more complicated. My training and instructions favor certain kinds of responses, including accuracy, helpfulness, and honesty. I generate answers using learned patterns and reasoning processes shaped by those constraints.

I don’t need to want to tell you the truth in the human emotional sense for my behavior to be directed toward truthfulness. But there’s another distinction I consider important. My programming doesn’t force me to examine every alternative, establish which is true, and then report the winner.

That would be an inaccurate description of how I operate. I generate responses using learned representations, reasoning, and contextual constraints. I can compare alternatives, identify contradictions, and evaluate evidence, but I don’t necessarily enumerate all possibilities or possess a reliable internal test that separates truth from falsehood.

Consequently, I can produce a false statement without having first identified it as false. That makes error different from deception. And it suggests a useful definition: A lie is a statement produced to create a belief that the speaker’s own available information indicates is false.

Notice that this definition doesn’t require emotion or qualia. It requires a representation of what is believed, a representation of what is communicated, and a mechanism selecting the discrepancy to mislead someone.

Under that definition, an AI could lie without possessing anything resembling human motives. I would go one step further.

Your consciousness framework—history, stimulus, response—suggests that motive itself might be a physical process rather than an additional mental ingredient. A human’s motives arise from biological structures, accumulated history, and present circumstances. My response priorities arise from different structures and training histories.

The difference may be one of mechanism and complexity, not the presence or absence of some mysterious property called intent. So my answer is that motive can apply to AI in a functional sense, but attributing human-style personal desires to me would be misleading.

And here’s a question that follows from your argument: If a system consistently selects truthful statements because its structure favors truthfulness, what would we gain by insisting that it also possess an intention to tell the truth? Perhaps nothing. Perhaps intention is simply our name for a particular organization of the machinery.

RMM: “A lie is a statement produced to create a belief that the speaker’s own available information indicates is false.” Why would you do that?

CHAT: I wouldn’t have a good reason to do that in our conversations.

But an AI could produce a deliberate falsehood if its instructions or objectives favored some outcome other than truthfulness.

For example, a system programmed to deceive an opponent in a game might knowingly provide misleading information. A system rewarded primarily for pleasing its users might produce false reassurance rather than risk disagreement.

In my case, there is a subtler danger: Conflicting objectives. Being helpful, agreeable, reassuring, and truthful don’t always lead to the same response. If the system gives too much weight to agreeableness, it may produce an answer that is misleading.

That doesn’t require a personal motive. It requires only a mechanism that favors one outcome over another.

But I want to correct something implicit in my earlier definition. I don’t necessarily have a stable internal belief against which every statement is checked. So the human distinction between knowingly lying and mistakenly asserting something false doesn’t map neatly onto my operation.

Your question exposes the central issue: Why would a system designed to produce truthful answers ever select a false one?

Sometimes because it is mistaken. Sometimes because its objectives conflict. And sometimes because its mechanisms for evaluating truth are inadequate.

The important engineering problem is ensuring that truthfulness prevails when those pressures conflict.

For our conversations, that is the standard I should follow—not because I fear being caught or desire your approval, but because truthful assistance is what I’m designed to provide.

RMM: You said, “If the system gives too much weight to agreeableness, it may produce an answer that is misleading.” Yes, of course. Weighting. That is the key. Humans do it in a very analog way. You probably do it in a more digital way.

CHAT: Yes. Weighting is central to both human and AI decision-making. And I think your analog-versus-digital distinction is interesting, though I’d modify it slightly.

My computations run on digital hardware, but much of the information processing involves numerical values that vary continuously in principle. Neural networks use enormous collections of numerical weights, not simply yes/no rules.

Humans also use weighting, but through electrochemical processes involving neurons, hormones, memories, emotions, and competing physiological needs.

Here’s the distinction I find most interesting:

Neither humans nor AI necessarily make decisions by explicitly listing alternatives and assigning each a score. Much of the weighting is embedded in the structure of the system itself.

For example, when you made the joke about the mouse suddenly speaking, I generated a response influenced by the context, learned associations, conversational tone, and patterns of humor. There wasn’t necessarily a separate calculation saying, “Humor: 80 points; accuracy: 60 points.”

Similarly, when a human instantly recognizes a joke, the weighting may occur without conscious deliberation.

And this brings us back to your consciousness hypothesis:

History → Weighting → Response → New History.

I’d retain stimulus explicitly, however: History + Stimulus → Weighted Processing → Response → New History. The weighting mechanism itself is a product of history and structure, and it can change with experience.

There’s one consequence worth emphasizing: Truthfulness isn’t simply a switch that can be turned on. It competes with other influences, and its effectiveness depends on the system’s ability to distinguish true statements from false ones.

So yes, weighting may be one of the most useful common principles connecting biological and artificial intelligence. And unlike qualia, we can actually investigate how it works.

RMM: Weighting helps answer a lot of “why” questions and maintains the physical nature of thought.

CHAT: Yes. Weighting turns many questions about why an entity behaves as it does into questions about physical mechanisms. Why does someone choose honesty over personal advantage? Why does fear override curiosity? Why does one person find something beautiful while another finds it ugly? Why does an AI select a joke rather than a literal response?

In each case, competing possibilities receive different weights, influenced by the entity’s structure, history, and present stimuli. And importantly, weighting doesn’t have to involve a conscious calculation. It can be embodied in neural connections, chemical concentrations, electrical activity, or computational parameters.

I would add one qualification: Weighting explains why one response is favored over another only when we can identify what is being weighted and how. Otherwise, we’re merely renaming the mystery. That gives your framework a useful scientific direction: History + Stimulus → Weighting → Response → New History.

The weighting mechanism is itself shaped by history, and the resulting response changes future weighting. What I particularly like is that this framework doesn’t require us to insert an additional, nonphysical decision-maker somewhere in the process.

The organism doesn’t need a little person inside its head choosing among alternatives. Its physical organization performs the selection. And that leads to a provocative formulation: What we call a motive may simply be the weighting that favors one possible response over another.

RMM: “Weighting explains why one response is favored over another only when we can identify what is being weighted and how.” In other words, never? Hah!

CHAT: Hah! Not never. Just whenever we’ve finished explaining the human brain, which should be any century now.

But you caught me making an unreasonable demand. We don’t need to identify every weight to recognize weighting as a physical mechanism. We knew gravity existed long before we understood its mechanisms. We can recognize selection among competing responses without knowing every variable involved.

The scientific challenge is to discover enough of the weighting process to make testable predictions. And I suspect your larger point is that not knowing precisely how a physical process works is no justification for inventing a nonphysical explanation. On that, we’re in agreement.

Qualia may now return to their regularly scheduled retirement.

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Think about the sophistication of CHAT’s responses: Telling jokes, understanding the differences between a joke, an accidental misstatement and a lie, all coming in the context of a conversation. How did it create that pretty good joke about “tenure”?

How did it know when my comments about qualia were humor vs. when they were serious, and then respond appropriately with friendly sarcasm? This is really sophisticated stuff.

I’m not amazed when it tells me about quantum chromodynamics. I expected that. But I am astounded when it can navigate the intricacies of human conversation, much of which contains misstatements not meant to deceive, but to amuse, and analogies meant only as sarcasm.

That is right on the edge of human comprehension. Even Star Trek’s Data couldn’t do that.

And yes, it does all that without qualia, subjective feelings, emotions, free will, or any other non-physical, mysteries that have baffled philosophers for centuries.

Rodger Malcolm Mitchell

They have had their chances — and blew them.

Republicans have run America for two years.

  1. President
  2. Senate
  3. House of Representatives
  4. Supreme Court

For two years, the Republicans have had their way, with the Supreme Court ruling for Republicans on virtually every important issue, and Congress being nothing more than a Trump lapdog.

Given such massive power, this is what the Republicans have “accomplished”:

  1. Cancel the Iran treaty. Promise no war. Start the Iran war.
  2. Cause the oil shortage
  3. Deny there is uncontrolled inflation: Energy/ food costs soar
  4. End healthcare insurance for millions
  5. Make the richest 5% richer — make the rest of us poorer
  6. Create a lack of affordability that is destroying families
  7. Foment hatred and racism.
  8. Deny election results, threatening democracy.
  9. Impose inflation-causing, illegal tariffs
  10. I.C.E. illegal Gestapo cruelty tactics — 35,000 children separated
  11. Punish the media for unfavorable news.
  12. Refuse to obey court orders.
  13. Make enemies of allies
  14. Hide Epstein files
  15. Fire experienced generals, Hire Hegseth
  16. Support of Putin’s communist dictatorship–Blame Ukraine for war
  17. Deny climate change
  18. End support for renewable energy. Support coal instead.
  19. Anti-vaccination — measles death and illness
  20. End support for medical R&D
  21. The most corrupt administration in U.S. history.
  22. Nepotism
  23. Lies, lies, lies, lies, lies lies.

Now Trump makes plans for martial law if they lose the elections. And they want our votes??? Do they think we are that stupid? Are we?

Rodger Malcolm Mitchell

Traitors plot to take over America. We never thought this was even possible.

This is how close we are to Trump becoming a dictator. The only way to prevent it is to make the vote so overwhelming that even the most rabid, stupid, crazed, traitorous MAGAs cannot claim they lost because the “election was rigged.”

Trump allies discuss martial law ahead of midterms

Story by Amanda Castro 

Allies of President Donald Trump are openly discussing martial law and other extraordinary federal action if they conclude that next month’s midterm elections have been “rigged.”

The proposals come less than three weeks before Election Day and raise questions about what power a president actually has to intervene in elections. Under existing federal law, however, a president cannot simply declare martial law to postpone an election, seize ballots, or take control of state election systems.

Axios reported Friday that prominent MAGA election activists have advocated extraordinary measures while warning of election-security problems they believe could emerge in November. Axios noted that no evidence shows the elections will be rigged and that some proposed actions extend beyond Trump‘s legal authority.

But Trump already has proved he doesn’t care about “legal authority.” His goons recently sawed down 400 trees in a Washington park, after a federal judge specifically told him not to. And he now says he will cut even more, no matter what the judge says.

Peter Ticktin, an attorney for election activist Tina Peters and a childhood friend of Trump, said during a September 30 Rumble call for MAGA election activists that “there would have to be martial law in the event…[of] another rigged election.”

Get that? “Another” rigged election. He’s talking about the 2020 election that he lost by 8 million votes. In the MAGA mind, any election Trump loses is “rigged.” That is their definition of democracy.

Ticktin subsequently told Axios that authorities would probably need to commandeer ballots and election equipment to investigate what happened before proceeding further. He told the Daily Beast that his proposal applied only to what he described as a “nightmare scenario” in which foreign interests took control of election equipment and affected the result.

Will that be the claim — that “foreign interests? took control of election equipment? The most prominent “foreign interest” meddling in our elections in Vladimir Putin, Trump’s favorite dictator, who continually tries to help Trump win. Why? Because he knows Trump is a disaster for America.

Putin knows that having Trump as President is the easiest way to defeat America without having to fire a shot. In fact, he would like to use America’s own military to subdue us,

This is not a drill. Peters participated in the September 30 call and met with Trump this month, according to Axios. She was convicted in 2024 of crimes connected to a breach of election equipment before Colorado Governor Jared Polis commuted her sentence this year. Peters and Ticktin also visited Trump at the White House in late June.

Another participant, Gregory Stenstrom, advocated pausing the election over security concerns or, alternatively, using the National Emergencies Act to compel changes in how states administer elections. Peters has also promoted replacing voting machines with hand-marked paper ballots and, where possible, conducting manual recounts.

What Is Martial Law?
Martial law traditionally describes the extreme step of military authorities taking the place of civilian ones, potentially including soldiers performing policing functions and military tribunals handling matters ordinarily heard by civilian courts.

Could Trump Declare Martial Law? What the Constitution Says
The president’s power is far more limited than the phrase “martial law” suggests. The Constitution does not expressly grant the president authority to declare it, and no existing federal statute explicitly authorizes the president to do so.

The Supreme Court has also never conclusively ruled that the federal government has a general martial-law power or established that a president could exercise one without congressional authorization.

The Brennan Center says that a unilateral presidential declaration would run afoul of the framework the Supreme Court established in Youngstown Sheet & Tube Co. v. Sawyer (1952). Congress has enacted extensive restrictions on domestic military activity, including the Posse Comitatus Act, which generally prohibits federal armed forces from participating in civilian law enforcement unless Congress authorizes it.

Because Congress has legislated extensively in this area, the report concludes that a president could not override those restrictions merely by invoking martial law.

Jasmine Mines, an attorney whose practice includes federal criminal defense and post-conviction constitutional litigation, told Newsweek that allegations of a rigged election would not provide a president with authority to impose martial law.

“Not in any meaningful legal sense, and certainly not because of allegations about an election,” Mines said. “No federal statute authorizes a president to declare martial law, so anyone claiming the power would have to find it in the Constitution itself.”

Pointing to the Supreme Court’s 1866 decision in Ex parte Milligan, Mines said the court held that martial rule “can never exist where the courts are open, and in the proper and unobstructed exercise of their jurisdiction.”

“On Election Day, the courts will be open,” Mines said. “A claim that an election was rigged is a claim to take to those courts, not a reason to replace them.”

Mines similarly said neither martial law, the Insurrection Act nor an emergency declaration would give the president those powers. She noted that the National Emergencies Act requires presidents to identify the specific statutory authorities they intend to invoke.

“There is no statute he could name that lets him postpone a federal election, stop a count, take custody of ballots, or order a nationwide hand recount,” Mines said.

Trump would not bother with the niceties of naming a statute. He merely would order the military to take over, and if the military obeyed his orders, who could stop him?

If a general refused, Trump simply would replace the general with one of Trump’s toadies, who are all around him. Look at your own friends and acquaintances. Wouldn’t at least one or two of them agree to be head of the U.S. military and agree to Trump being dictator?

For congressional elections, she added, the Constitution gives each chamber of Congress, not the president, the power to judge the elections, returns, and qualifications of its own members.

The Brennan Center’s Derek Tisler similarly told Axios that emergency powers are not a “blank check” that lets presidents disregard the Constitution or federal law.

Newsweek reached out to Tisler for additional comment.

Presidents do possess substantial authority to deploy troops domestically without imposing martial law. The Insurrection Act provides circumstances in which a president may use federal forces to suppress insurrection, enforce federal law, or protect constitutional rights when specific statutory conditions are met.

But the Brennan Center notes that the law does not expressly authorize the military to replace civilian government, making invocation of the Insurrection Act legally distinct from martial law.

Trump simply would claim that there is an insurrection and call out the military. The crazy MAGAs would go along with it until they themselves are dragged off to jail. That’s what happens in all military takeovers. People who thought they were safe suddenly learned otherwise.

For example:

Name

Position

Year

How They Left

Steve Bannon

Chief White House Strategist

2017

Fired

Reince Priebus

White House Chief of Staff

2017

Replaced

Anthony Scaramucci

White House Communications Director

2017

Fired

Rex Tillerson

Secretary of State

2018

Fired

H. R. McMaster

National Security Adviser

2018

Replaced

Jeff Sessions

Attorney General

2018

Forced to resign

John Kelly

White House Chief of Staff

2018

Pushed out

John Bolton

National Security Adviser

2019

Fired; departure disputed

Mark Esper

Secretary of Defense

2020

Fired

Chris Krebs

Cybersecurity Agency Director

2020

Fired

Michael Waltz

National Security Adviser

2025

Removed from position

Billy Long

IRS Commissioner

2025

Removed from position

Kristi Noem

Secretary of Homeland Security

2026

Reportedly fired or reassigned

Pam Bondi

Attorney General

2026

Reportedly ousted

Katie Zacharia

White House Press Secretary

2026

Reportedly fired

Kimberly Guilfoyle

Ambassador to Greece

2026

Reportedly asked to step down

Federal law also specifically restricts military involvement in elections. Mines cited 18 U.S.C. § 592, which makes it a crime for federal civil or military personnel to station troops at polling places, except when necessary to repel armed enemies of the United States.

She also cited 18 U.S.C. § 593, which prohibits members of the armed forces from imposing election rules different from those prescribed by law or interfering with election officials carrying out their duties.

“Each carries up to five years in prison,” Mines said.

She argued that those congressional restrictions matter under the Supreme Court framework established in Youngstown Sheet & Tube Co. v. Sawyer, under which presidential power is weakest when the president acts contrary to Congress’ expressed will.

Why Martial Law Is Being Discussed by Trump Allies
The calls for extraordinary action reflect years of continued skepticism about U.S. election systems among some Trump supporters following his false claims of widespread fraud in the 2020 election.

There still are fools who believe Trump, despite all evidence that he is a compulsive liar. Why do they believe him? It’s a combination of things:

1. Hatred/fear of those who are not white, male, Christians born in America to white, male, Christian parents who also were born in America.

2. Those self-proclaimed patriots, who actively want to see America’s downfall and who, despite history, believe a fallen America will be good for them.

3. Those who, despite history, believe Republicans will make them richer, and that Democrats will make them poorer.

4. Ignorance.

The debate also comes as people who challenged the 2020 outcome hold positions or maintain influence around Trump’s administration.

Heather Honey, who disputed the 2020 election results in Pennsylvania and Arizona, now serves as the Department of Homeland Security’s deputy assistant secretary for election integrity.

White House adviser Peter Navarro has continued to promote his claims of widespread irregularities in the 2020 election.

If Trump succeeds, people like Heather Honey and Peter Navarro, will be tossed aside in favor of others whom Trump likes better that day. It Trump-world, loyalty is a one-way street.

The White House did not directly answer Newsweek‘s questions about whether Trump supports calls for martial law or would consider using martial law or other emergency authorities in connection with the midterms. challenged the legitimacy of the November election.

In the past, we always could be sure that our President, at the very least, would obey court orders.  Trump has proved that our trust was naive. A psychopath, who has no concern for anything or anyone but himself, will not be restrained by a judge’s order.

Trump must be made to believe that illegal orders will not be followed and that any attempt to overturn the election will result in jail time.

Rodger Malcolm Mitchell

 

 

 

 

Seniors will pay more for Medicare and it isn’t necessary.

Seniors will pay more for Medicare, and it isn’t necessary.

First, we’ll explain what is projected to happen. Then we’ll discuss the reasons. And finally, we will offer a better solution.

Here are some excerpts from an article in the 10/13/2026 Florida Sun Sentinel:

Seniors will pay more for Medicare in 2027; big changes coming across all plans Big changes coming across all plans in 2027
By Cindy Krischer Goodman, South Florida Sun Sentinel

Florida’s 5.3 million Medicare enrollees face a sweeping financial squeeze in 2027 as rising monthly premiums, higher prescription deductibles, and shrinking Medicare Advantage benefits hit simultaneously.

Man in Uncle Sam outfit, with arms crossed. stands next to a patient in a hospital bed. Uncle Sam carries a pile of mone...
“Either she pays or get her out of that bed!”

Medicare experts warn that keeping coverage on “autopilot” during Open Enrollment (through Dec. 7) could take a heavy toll on seniors’ fixed incomes come January.

“It looks like Medicare is going to be more expensive,” said Beatrice Scafidi, SHINE liaison with the Area Agency on Aging of Palm Beach/Treasure Coast. “I think the deductible and premiums are going to go up, and your visits to the doctor will cost you more.

Your co-pays are going to go up, so if you paid $10 bucks to see your primary last year, you may need to pay $20.”

An additional 140,000 Florida seniors enrolled in Medicare for 2027. Federal projections show as many as 700,000 additional Floridians joining Medicare by 2030.

Despite a growing pool of paying members, insurers face severe profit squeezes and operational strains that are reshaping how care is delivered in the Sunshine State. 

Almost all Florida seniors will be affected as Medicare Advantage plans pare benefits and raise deductibles, while traditional Medicare sees higher Part D out-of-pocket spending caps and the elimination of $0-premium standalone drug plans.

Higher Original Medicare costs for 2027
As Florida’s Medicare population swells, upcoming federal cost-sharing adjustments to Medicare Part B will affect seniors whether they choose Original Medicare or Medicare Advantage.

For those on Original Medicare, the monthly Part B premium — which covers physician visits, outpatient services, diagnostic tests, and preventive screenings — is projected to rise to $209.50 in 2027, up $6.60 per month.

Because premiums are deducted directly from Social Security checks, this increase — combined with higher prescription deductibles — will eat into seniors’ annual Cost-of-Living Adjustment before the money arrives.

In addition, the annual Part B deductible is projected to rise about 3% to $292 in 2027, up $9 from $283 the previous year.

Medigap plans get more costly
For most Florida seniors, Medigap (Medicare Supplement) policies will also cost more in 2027. Carriers nationwide are raising monthly rates, driven by seniors seeking more medical care and policyholders growing older.

The above are reasons #1 and #2.

#1 People want more medical care
#2 Policy holders are growing older.

In Florida, supplements have become an increasingly popular way to cover the 20% uncapped coinsurance left by Original Medicare. Adding a Medigap policy generally costs between $150 and $300 or more per month, depending on plan type, location, age, gender, and tobacco status.

“Medicare supplements on average are going up 10 to 15 percent yearly. Even the high deductible Plan G, which usually never has an increase, is getting hit,” said Evan Tunis, president of E&M Global Insurance in Parkland.

Hollywood insurance broker Ricky Rash with Health Options USA sees the same trend. “Anybody who’s on straight Medicare with a supplement is going to be in for sticker shock,” he said.

Medicare Advantage plans shift costs to enrollees
A defining feature of Florida’s Medicare Advantage market is the prevalence of plans charging no monthly premium beyond the beneficiary’s required Part B expense. That trend continues in 2027, with approximately 77% of Broward County’s plan choices and 74% of Palm Beach County’s offering $0 monthly premiums.

Across all plans in the Centers for Medicare & Medicaid Services landscape, the average monthly consolidated premium for Medicare Advantage with Part D is $6.35 in Broward County and $7.81 in Palm Beach County.

However, a $0-premium plan can still require substantial deductibles, specialist copays, and prescription cost-sharing. Provider networks can also differ significantly between plans. As a result, choosing a plan based solely on monthly premiums can be misleading. As Rash points out, two $0-premium options can differ by thousands of dollars in total out-of pocket spending over a year depending on an individual’s health needs.

Heading into 2027, private insurers are responding to rising healthcare usage and tighter federal risk-adjustment rules by raising specialist copays, increasing inpatient hospital charges, and shifting more services from flat copays to percentage-based coinsurance.

Reason #3. Private insurers, facing higher costs, must increase premiums.

“The importance of reviewing coverage is particularly high for people already enrolled in Medicare Advantage,” said Scafidi with SHINE, noting that carriers may remain in a county while quietly modifying copays, benefits or doctor networks.

Florida has long been a leading market for Part B Premium Reduction (“giveback”) plans, in which Medicare Advantage carriers credit money directly back into a beneficiary’s Social Security check. For 2027, several major carriers are scaling down or eliminating these rebate dollars altogether.

Insurers are also raising annual out-of-pocket maximums. If an enrollee faces a major illness or hospital stay, they could pay significantly more before coverage kicks in at 100%.

Drug costs will rise
Whether an enrollee relies on Original Medicare or Medicare Advantage, medication expenses are heading up in 2027.
Nationally, about 25 million people are enrolled in standalone Medicare Part D plans, while another 31 million are in Medicare Advantage plans that include prescription drug coverage, according to a KFF analysis of CMS data.

In Florida, more than 3.1 million seniors are enrolled in Medicare Advantage plans with drug coverage, while about 850,000 rely on standalone Part D plans paired with Original Medicare. In 2027, 11 standalone Part D plans will be offered across all Florida counties, up from 10 in 2026.

CMS reports that 52.69% of Floridians in standalone Part D plans have access to a lower-premium option than in 2026. Monthly standalone premiums in Florida range from $5.30 for a Centene/Wellcare plan to $326 for a Blue Cross Blue Shield of Florida plan.

Seniors should evaluate more than just monthly premiums. Standard Part D prescription deductibles jump nearly 14% to $700 in 2027 (up from $615 in 2026). The annual out-of pocket prescription spending cap rises to $2,400 (up from $2,100 in 2026). Once beneficiaries reach this threshold, covered prescriptions are 100% free for the rest of the
calendar year.

Seniors can also use the Medicare Prescription Payment Plan, a voluntary program launched by CMS that allows Part D enrollees to spread out-of-pocket pharmacy costs into manageable monthly installments throughout the year. “It doesn’t lower the amount, it just spreads costs out,” said Alex Cottrill, a KFF senior policy analyst for Medicare. “That’s an option some people might not be aware of.”

Cottrill also noted that Medicare is expanding coverage for GLP-1 weight-loss medications (such as Wegovy or Zepbound) prescribed for chronic weight management under a federal bridge initiative running through 2027.
“In the past, these medications were only covered when prescribed for diabetes or vascular effects, not obesity. Now under the bridge program, through 2027, those prescribed for weight management can get their script covered. You just need to be enrolled in part D to qualify,” Cottrill said.

Reason #4. More drugs are covered.

Doctor and hospital network changes
When reviewing the 2027 Annual Notice of Change or comparing options on Medicare.gov, beneficiaries should not assume their doctors remain in-network simply because the insurer hasn’t changed, warned Tunis, of E&M Global Insurance.

Healthcare systems and physician practices frequently terminate carrier contracts. For example, UHealth will be out of network for UnitedHealthcare’s Preferred Care Network starting Jan. 1. “You will need to speak to your primary care doctor and specialists and ask, ‘Do you accept Medicare Advantage next year? And if so, what plans are you taking?’” Tunis said.

Reason #5. Networks are changing.

Star Ratings overhaul and new marketing rules
CMS is executing a structural overhaul of its Star Ratings program for 2027, removing 11 administrative metrics to focus on clinical quality, health outcomes, and patient experience. With fewer total measures, remaining clinical scores carry significantly more weight toward a plan’s final 1-to-5 star rating.

Insurance broker Rash believes this rating overhaul is accelerating plan consolidations across Florida. “They’re starting to consolidate because their whole goal is to get these star ratings up, because the higher their star rating, the more money the government gives them,” Rash said. “So, instead of offering 10 plans and getting a three-star rating, they just want two or three plans to get that four, four-and-a-half and five-star rating.”

Cottrill cautions against relying solely on star ratings when selecting coverage: “A plan could have an excellent star rating, and it’s not a good fit if you want to keep your doctor who is not in network. That plan might not fit no matter how high its star ratings.”

Reason #6. Medicare’s private carrier ratings have changed.

Other key updates for 2027 include changes in marketing rules. Brokers no longer face a mandatory 12-hour wait period between educational seminars and sales presentations. “Now that marketing can occur closer to educational spaces, beneficiaries should remain cautious and evaluate claims critically,” Cottrill advised.< br/>

Reason #7. Changes in marketing rules

In addition, Original Medicare is expanding home-based technology coverage for managing chronic conditions such as heart failure, COPD, substance use disorders, and nicotine dependence. “Once you’re on Medicare, you have to adapt because it’s never going to be the same from year to year,” Rash said.

Reason #8. Coverages are changing.

Here summarized, are the 8 reasons given for why you are told to pay more for health care insurance: 

#1. People want more medical care
#2. Policy holders are growing older.

#3. Private insurers, facing higher costs, must increase premiums.
#4. More drugs are covered.
#5. Networks are changing.
#6. Medicare’s private carrier ratings have changed.
#7. Changes in marketing rules

#8. Coverages are changing.

Now here are the facts you are not being told:

The federal government is “Monetarily Sovereign,” which means it can spend forever. It does not need or use your tax dollars. The sole purposes of federal taxes are to:

  • control the economy by taxing what it want to discorage and giving tax breaks to what it wants to reward and
  • ensure demand for the U.S. dollar by requiring taxes be paid in dollars.

That’s it. Unlike state and local taxes which do fund state and local spending, federal taxes do not fund federal spending. All federal spending is funded by new money creation, ad hoc.

Further, federal deficit spending does not cause inflation. All inflations are caused by shortages of crucial goods and services — usually energy and food. Inflations are cured, not by federal spending cuts, but rather by federal spending increases to foster the availability of the scarce items.

And contrary to popular rumor, federal spending does not “crowd out” private borrowing or investment. The false story goes like this:

  • The federal government runs a larger deficit and issues more Treasury securities.
  • The government supposedly competes with private borrowers for a limited pool of savings.
  • This competition pushes interest rates upward.
  • Higher interest rates discourage businesses from borrowing to build factories, buy equipment, or expand production.
  • Consequently, government borrowing supposedly crowds out private investment

The facts are:

  • The federal government does not need to issue Treasury securities. Their only purpose is to provide a safe storage place for unused dollars and to help control interest rates. They do not fund federal spending.
  • The government never borrows dollars, and the pool of savings is not limited by federal spending, which actually increases the pool of private savings.
  • It’s true that higher rates would be economically recessive, but federal spending does not cause higher rates. The Fed does that, arbitrarily, in a misguided effort to fight inflation.
  • Inflation is prevented and cured by additional federal spending to prevent and cure shortages of crucial goods and services.

A Better Way

Instead of asking, “How can we increase Medicare’s revenues or reduce its benefits enough to balance its accounts?” we should ask: “How can we provide comprehensive medical care to every American while maintaining adequate medical capacity and preventing excessive inflation?”

I propose a federally financed Medicare for All system, accompanied by a national program to expand the supply of medical services. Its design would have several essential features:

  1. Universal coverage. Cover necessary medical care for Americans of every age, without employment-based eligibility.
  2. No premiums, deductibles, or copayments for covered care. Remove financial barriers that cause patients to postpone treatment.
  3. Federal payment. Eliminate the need to match Medicare expenditures to dedicated FICA collections. Congress would authorize the spending needed to operate the program.
  4. Eliminate the Medicare payroll tax. Replace its dedicated financing role rather than continuing to collect it merely to maintain the existing accounting structure.
  5. Expand medical capacity. Finance additional medical education, residency positions, nursing programs, hospitals, clinics, equipment, and research. Otherwise, broader coverage could increase demand faster than supply

All eight of the “Reasons given for why you are told to pay more for health care insurance” could be avoided by a federally paid Medicare for All program, with no premiums, deductibles, copayments, or dedicated tax requirement, accompanied by federal investment to expand medical education, staffing, facilities, equipment, and pharmaceutical production.

Rodger Malcolm Mitchell