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GLP-1s are breaking life insurance

glp1digest.com

131–140 of 640 posts

Re: GLP-1s are breaking life insurance

#131
post #52

Earlier quoted context omitted.

It’s usually a self inflicted disease. Your own actions cause it most of the time

Which other self-inflicted medical conditions do we deny medical care for?

Good point. The main root cause of obesity is too many calories. Usually, obesity and the symptoms / diseases that come with it improve / go away when eating less calories. Does any human technically need medication to eat less calories?

Re: GLP-1s are breaking life insurance

#132
post #4

Obesity is highly correlated with other medical conditions, from cancer to diabetes to heart disease. I wonder if there is a point at which it is cheaper for health insurance companies to offer subsidized or even free GLP-1s to patients than pay out for other specialized medications. For example, my insurance covers flu shots in my community every year because it's presumably less expensive to pay for the shots compa…

After it goes generic it will be cheaper. right now, it's not.

Re: GLP-1s are breaking life insurance

#133
post #61

Earlier quoted context omitted.

... I just switch life insurance providers? Seriously, that's just not that big of a deal. It takes like a few days at most for simple term life. Can't speak to the other policies, which I understand are mostly tax vehicles anyway, but it's not hard to simply get a new life insurance policy if your current one goes kaput.

... and the question was about the aggregate effect. What happens if all life insurers go bankrupt?

That is great, they are by definition a net negative on the economy as a whole? You shouldn't gamble on your own health.

Re: GLP-1s are breaking life insurance

#134
I think it's unlikely that the quoted 65% of GLP-1 users will go off the drug and resume their unhealthy lifestyle as the drugs go off patent and become more affordable. It's not super inconvenient to stay on, just expensive (today, using the name brand formulations). Users benefit from good health more than they benefit from deceiving life insurers.

Re: GLP-1s are breaking life insurance

#135

So... There's a miracle drug powerful enough to robustly lower people's all cause mortality, but since health insurance and life insurance are industries with vastly different time preferences, this is not a good thing for the life insurers because people just keep getting off the magic longevity drug and screwing up their predictions. Because, admittedly, it kind of sucks in the moment to be on. And I'm guessing jus…

They aren't even that awful in maintenance -- just expensive. The unpleasant part is when you're increasing the dose. After a while at the same dose, it's more or less unnoticeable IMO.

Re: GLP-1s are breaking life insurance

#136

So... There's a miracle drug powerful enough to robustly lower people's all cause mortality, but since health insurance and life insurance are industries with vastly different time preferences, this is not a good thing for the life insurers because people just keep getting off the magic longevity drug and screwing up their predictions. Because, admittedly, it kind of sucks in the moment to be on. And I'm guessing jus…

>There's a miracle drug powerful enough to robustly lower people's all cause mortality Did I misread the article, my TL;DR of the article is that GLP-1 reduce the indicators or mortality without modifying the actual mortality (because most users return to normal indicators within about 2 years).

It's a maintenance medicine, not a cure, so if people stop taking it, they return to the same problems they had without it.

Re: GLP-1s are breaking life insurance

#137

Earlier quoted context omitted.

I'm just reporting my cached knowledge of people saying they experienced some adverse side effects. Also injections are not fun, even though they are probably a lot less annoying than they look.

A once-weekly subcutaneous injection is not a big deal for most people I think, outside of those who are very afraid of needles. It's a tiny needle and you don't even feel it. I've given injections to people who are afraid of needles, and they sometimes close their eyes in fear and are begging me to "just get it over with" without even realizing that I'm already done. Anyway, all this to say that outside of needle-ph…

> It's a tiny needle and you don't even feel it.

I'll add that while it isn't a big deal, I definitely feel the needle; sometimes worse than others. (I'm using 8mm 30 gauge needles.)

Re: GLP-1s are breaking life insurance

#138

Earlier quoted context omitted.

[flagged]

You could apply this same stupid logic to many medications. Blood pressure medication comes to mind.

People have to believe in free will or they go crazy. Admitting that we’re just a bag of hormones and electric signals means our whole system of morality is built on sand and that’s a scary door to open.

Re: GLP-1s are breaking life insurance

#139

I was on Mounjaro for two months. I was also dieting and walking 10k steps a day. I lost 25 lb and my A1C went down to 5.0 from 5.7. All my cholesterol numbers were in range. I stopped taking it and lost 25 more. I haven’t regained the weight. People who gain it back did not learn the lesson and did not effectively change their habits. You need the discipline - and a good support system. But if you don’t have that an…

This is akin to saying a severely anxious person should be able to take an SSRI for a few months, learn how to change their thinking, and stay off antidepressants for the rest of their life. So simple. Must be their fault if they can't pull it off. Perhaps that works for some people. I'm glad it seems to have worked for you. But the facts of the world we live in show that it doesn't work for most. "Learn the lesson a…

That is the ideal model for treatment of those types of mental health disorders. Often patients have blockers that prevent them from resolving underlying issues. But through a drug they can get into a headspace that allows them to work through them with talk therapy, and then learn new habits and eventually go off the drug.

In practice, this doesn't happen that often, no, but it's a theoretical goal. Probably because we're in the pre-GLP-1 era with regard to mental health meds. Maybe that will change.

Re: GLP-1s are breaking life insurance

#140
post #61

Earlier quoted context omitted.

... and the question was about the aggregate effect. What happens if all life insurers go bankrupt?

That is great, they are by definition a net negative on the economy as a whole? You shouldn't gamble on your own health.

Oh come on, you can't be serious.

It's not a gamble, you transfer your risk to a collective.

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