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GLP-1s are breaking life insurance

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Re: GLP-1s are breaking life insurance

#271

Post by glp1guide »

ramoz wrote: post #38
hiAndrewQuinn wrote: post #23

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…

Can you explain what sucks about being on the prescriptions?

Tried to list them all here:

https://glp1.guide/content/are-glp1-side-effects-all-the-sam...

It was a while ago, but IMO the list still plays

Re: GLP-1s are breaking life insurance

#272

Post by glp1guide »

chhxdjsj wrote: post #247
k__ wrote: post #209

Earlier quoted context omitted.

How much does it cost right now? Are there any alternatives coming out soon or generics?

Grey market from China is around $250/year for tirzepatide There are group chats with tens of thousands of people and I havent seen any issues with the drug

That's an insane cost reduction -- $250/month is a common gray market price in the US.

Re: GLP-1s are breaking life insurance

#273

Post by glp1guide »

jtrn wrote: post #226
k__ wrote: post #209

Earlier quoted context omitted.

How much does it cost right now? Are there any alternatives coming out soon or generics?

For semaglutide, the newest and most potent GLP1. United States: The main patent is expected to expire around 2032. Monthly Price: $950 - $1,350+ (cash price without insurance) Norway: The main patent is expected to expire around 2031. Monthly Price: $109 - $301 (cash price equivalent in USD)

> For semaglutide, the newest and most potent GLP1.

Tirzepatide is the most potent GLP1

https://glp1.guide/content/semaglutide-vs-tirzepatide-clinic...

Re: GLP-1s are breaking life insurance

#274

Post by glp1guide »

k__ wrote: post #209
jtrn wrote: post #204

Clinical psychologist here in Norway, and just my subjective experience: People stop GLP1 agonists for the following reasons, in descending order: - They want to enjoy eating again. - Medications are a hassle. - Worry about long-term effects, even if there is no alarming evidence for now. - Price (we are a spoiled/rich country). - Other (like hating needles, feeling bad for taking medications that others need more, b…

How much does it cost right now? Are there any alternatives coming out soon or generics?

Liraglutide is now available as a generic, but it is the least effective of the big 3 (Semaglutide, Tirzepatide, Liraglutide):

Basically, Tirz > Sema > Lira

https://glp1.guide/content/semaglutide-vs-tirzepatide-clinic...

https://glp1.guide/content/semaglutide-liraglutide-continue-...

https://glp1.guide/content/another-generic-liraglutide-launc...

Re: GLP-1s are breaking life insurance

#275

Post by glp1guide »

brap wrote: post #243

Just want to share my own experience since were doing it: Took Wegovy (Semaglutide) for about 6 months. Barely lost any weight, would occasionally get nauseous. Then the doc switched me to Mounjaro (Tirzepatide) + Phentermine, and holy shit, I just don’t feel like eating, almost ever. Lost 20kg in 6 months, which is all I needed to lose, never had any side effects. None. I did feel a little weird/buzzed the first tim…

It varies case by case, but just want to point out that the research agrees with you here, Tirzepatide is more effective than Sema!

Re: GLP-1s are breaking life insurance

#276

Post by mctt »

glp1guide wrote: post #270

Note that right now there's a problem with people staying on GLP1s[0] so it's not quite clear how this could go any other way. Considering the rate of rebound from other lifestyle methods, GLP1 is among the most effective alternatives we have. GLP1 significantly reduces the risk of many mobidities and is increasingly prescribed to older people. Also, this is incredibly likely to resolve itself once the drugs become c…

Can someone explain what is being said here in literal terms please. Can you also identify any dark humour or social commentary because I don't know enough to be sure.

Re: GLP-1s are breaking life insurance

#277

Post by firesteelrain »

furyofantares wrote: post #263
firesteelrain wrote: post #57

Earlier quoted context omitted.

I started in Aug 2024 and stopped in Oct 2024. I paid for it from one of the pharmacies that made it in Florida. I injected myself with insulin needles that they send you.

I've seen so many reports of people losing weight one way or another, and saying they kept it off, and I think only once has it been more than a year. Usually under 6 months. Personally I lost a ton of weight doing full-on keto (I specify, because some people just kinda cut out carbs) and then kept it off for over 2 years. But I put the weight back on after that, albeit slowly (over the course of maybe 7 years). I've…

I don’t see myself gaining 50 lb back. I would have to eat a TON which I don’t

Re: GLP-1s are breaking life insurance

#278

Post by andoando »

randallsquared wrote: post #166
ChadNauseam wrote: post #71

Earlier quoted context omitted.

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…

As someone who is mildly needle-phobic, I'll agree it's no big deal, but you definitely can feel it, and if you hit a blood vessel by accident, there's a (mostly painless) bump and 2-3 week bruise at the injection site, which might be a major issue for some.

You can get a vein finder to avoid that

Re: GLP-1s are breaking life insurance

#279

Post by glp1guide »

mctt wrote: post #276
glp1guide wrote: post #270

Note that right now there's a problem with people staying on GLP1s[0] so it's not quite clear how this could go any other way. Considering the rate of rebound from other lifestyle methods, GLP1 is among the most effective alternatives we have. GLP1 significantly reduces the risk of many mobidities and is increasingly prescribed to older people. Also, this is incredibly likely to resolve itself once the drugs become c…

Can someone explain what is being said here in literal terms please. Can you also identify any dark humour or social commentary because I don't know enough to be sure.

Let me try again:

1. People do not stay on GLP1s for long, despite how effective they are

2. People often rebound harder from other forms of weight loss (dieting, temporary lifestyle changes, etc)

3. GLP1 reduces a LOT of health risks linked to obesity (heart disease being the most important IMO)

4. Older people are taking GLP1s in droves

5. Once these drugs are everywhere (they will be soon IMO in No social commentary or dark humor intended -- GLP1s aren't miracle drugs but the effects (and relative lack of side effects) is miraculous.

Re: GLP-1s are breaking life insurance

#280

Post by raldi »

aqme28 wrote: post #9
arn3n wrote: 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…

You’re thinking too highly about the incentives of the US healthcare system. Since insurance is tied to your employer (and therefore changing every few years), and most people die on Medicare, there’s not much incentive for insurance companies to pay for preventative care that won’t actually help you for several decades.

Then wouldn’t the government want to subsidize it?
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