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GLP-1s are breaking life insurance

glp1digest.com

281–290 of 640 posts

Re: GLP-1s are breaking life insurance

#281
> Lost around 14kg using GLP-1s from a D2C provider (no detail on their electronic health record)

Huh? How would one get these electronic health records? I thought each provider keeps these and there's no public database except for vaccines? And it doesn't exist because HIPAA would make it hard?

Re: GLP-1s are breaking life insurance

#282
post #107

Earlier quoted context omitted.

>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).

> because most users return to normal indicators within about 2 years Because they stop taking GLP-1s after 1-2 years, not, it seems, because the meds stop working.

They do? I was under the impression people stopped taking them because they’re massively expensive. And weekly injections is a bit annoying (though should be less annoying than diabetes or death or whatever else).

Re: GLP-1s are breaking life insurance

#283

Earlier quoted context omitted.

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

And it's under-commented upon because it's counterintuitive, but most people stop taking it. Like, two year continuation of use is about 25%. That's kinda wild, because it seems like holy shit if you're taking a drug that lets you drop 10-20% of your body weight from obese down to normal why would you stop taking it, but people do.

Because it costs $1000/mo and insurance wants to make it as hard as possible to get that covered because they cannot afford to pay $1000/mo * 45% of Americans without doing things to their rates that are forbidden by the ACA and, for that matter, any approximation of good sense. If people cannot afford an additional $450/mo each on average for their health care, how do you cover a critical long-term $1000/mo drug that 45% of the population needs?

Gating it behind mandatory expensive, difficult-to-schedule appointments with a specialist who is in abruptly short supply where the insurance company is doing their damndest to kick as many of them off their network as they can without getting caught to keep the shortage going is certainly part of that strategy. And the result is “people do not stay on the drug”, which is their goal, and if they don’t meet that goal they have an even bigger problem and can’t continue to exist as a functioning company.

Re: GLP-1s are breaking life insurance

#284
post #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.

I wouldn’t say unnoticeable, but rather a trade-off that’s fine. My stomach is definitely more sensitive, can’t handle coffee in the morning anymore, etc. It probably depends on the person.

Re: GLP-1s are breaking life insurance

#285

Earlier quoted context omitted.

> admittedly, it kind of sucks in the moment to be on I don’t think that’s a typical experience for most people, other than the price

There's often side effects, including nausea, diarrhea, headaches, bloating, discomfort, etc. As far as I can tell from forums, it's not like 5% have the side effects, it's like 80-90%. But for the first time in decades, I felt full. I didn't want to finish a meal, it was too much. My body regulated my food intake in what felt like a natural way. I hadn't even realized my body had somehow lost that fundamental mechan…

> As far as I can tell from forums, it's not like 5% have the side effects, it's like 80-90%

This is likely a sampling error, and you see it with all drugs to some extent. No-one goes on a forum to announce to the world that they’re not having any side effects from [whatever].

Re: GLP-1s are breaking life insurance

#286
GLP-1s have legitimately changed my life for the better. I've always been very active but have consistently been moderately overweight. A relatively low dose of Semaglitide has helped me lose 40lbs and keep it off. I'm a year and a half in and have had very few side effects, no loss of efficacy, and my muscle mass has increased slightly despite all the negative press about muscle loss. My diet is similar in composition to what it was before, but I probably eat 25% less by volume. Recognizing I'm a sample of one, but my experience is reflected in the research.

I plan on being a GLP-1 for the rest of my life. Perfectly fine with that. It seems like society has more problems with GLP-1s than its users do.

Re: GLP-1s are breaking life insurance

#287

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.

Once daily pills will very likely replace injections in the near future. Eli Lilly will soon release key data on its weight loss pill orforglipron - https://news.ycombinator.com/item?id=43465346 - March 2025 https://en.wikipedia.org/wiki/Orforglipron

There's already Rybelsus. It's a bit more of a pain though as it needs to be taken on an empty stomach and you then need to wait 30-60 minutes before eating.

Re: GLP-1s are breaking life insurance

#288
post #286

GLP-1s have legitimately changed my life for the better. I've always been very active but have consistently been moderately overweight. A relatively low dose of Semaglitide has helped me lose 40lbs and keep it off. I'm a year and a half in and have had very few side effects, no loss of efficacy, and my muscle mass has increased slightly despite all the negative press about muscle loss. My diet is similar in compositi…

> my muscle mass has increased slightly

how was this measured?

Re: GLP-1s are breaking life insurance

#289
post #216

Earlier quoted context omitted.

Hi there - Mounjaro user here. I've been using it for about a year at this point. I feel sick for three days in a row after taking it. Even after several months on the same dose. I get horrible gut cramps, sour stomach, near constant nausea, and occasionally vomiting and diarrhea. I have to take my shot on Thursday night because I'll feel bad the next day and supremely sick the next two days. If I took it earlier or…

I don't know how overweight you are, but could you not just reduce the dose to get fewer side effects & still have reasonable weight loss? & Did you try other GLP-1s?

I've lost 120 lbs from my peak weight. I have about 130 to go before I'm comfortable with my weight. I was severely overweight, now I'm just very overweight.

I am at the second dose up from the starting dose (5 mg vs 2.5mg), and the side effects are about the same between the two doses. They didn't start out that way, but they ended up at about the same level of misery.

I tried Trulicity when it first came out. It was not as effective, but the side effects for me personally were less.

I'm on Mounjaro for type 2 diabetes, not weight loss, so my main focus is on how it treats my t2d. The weight loss is a nice side benefit.

Re: GLP-1s are breaking life insurance

#290
post #135

Earlier quoted context omitted.

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.

Unnoticable meaning doesn't have any effect at all, or just no bad side effects?

Just in terms of bad side effects. Hunger was still suppressed. (Might be worse on the higher doses, I'm not on a very high dose.)
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