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GLP-1s are breaking life insurance

glp1digest.com

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Re: GLP-1s are breaking life insurance

#451

Post by popupeyecare »

arp242 wrote: post #234
fnord77 wrote: post #202

> Life insurers can predict when you'll die with about 98% accuracy. I saw this: https://media.nmfn.com/tnetwork/lifespan/index.html#0 is there anything better?

Looking at the link they give for it, the 98% accuracy isn't for individuals but for aggregate data. That is: they can't predict with 98% accuracy when you or I will die, but they can with a sufficiently large group which averages out all the noise. The phrasing in the article is somewhat unfortunate.

Look at the url source. Ifs ChatGPT generated hallucination

Re: GLP-1s are breaking life insurance

#452

Post by SkyPuncher »

glp1guide wrote: post #274
k__ wrote: post #209

Earlier quoted context omitted.

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...

Liraglutide isn't fully comparable. On aspect that's a lot touch for many is it's a daily injection. More needles is a turn off for some that can manage 1x/week.

Re: GLP-1s are breaking life insurance

#453

Post by shadowtree »

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)

Canada: January 2026(!)

Novo lawyers messed up, didn't renew the patent filing over a payment dispute. Hilarity is ensuing.

https://www.cnbc.com/2025/07/09/hims-hers-generic-semaglutid...

And once generics for GLP-1s are going in Canada, Section 804 of the FD&C act becomes VERY interesting: https://www.fda.gov/about-fda/reports/importation-program-un...

Reimports of generics from Canada into the US here. we. go.

Re: GLP-1s are breaking life insurance

#454

Post by jajko »

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 the darknet level of drug addicts safety. For poor & desperate much better than nothing, but certainly not without its own risks

Re: GLP-1s are breaking life insurance

#455

Post by oger »

The topic of per-country pricing was mentioned several times.

I was wondering how big the price differences would be so I set up a quick form to collect some data points from several countries and for several products.

It would be cool if you could provide some data - I would then share it back as a reply to this thread within 1-2 days after closing the survey. The latest data entry will be possible on Sunday.

https://forms.cloud.microsoft/e/DjDgH62s21

Re: GLP-1s are breaking life insurance

#456

Post by jajko »

silotis wrote: post #111
massung wrote: post #92

Earlier quoted context omitted.

I don’t know if your topic switch was intentional - if so, my apologies and this is just for people outside the US who don’t know… The article is about life insurance, which is very different from medical insurance. Medical insurance companies often already go out of their way to pay early to save in the long run (e.g. free preventative care, checkups, etc.). I can’t speak to GLP-1s, but it’s possible that right now…

> Medical insurance companies often already go out of their way to pay early to save in the long run Literally LOLed when I read this. Health insurance companies might pay lip service to this and make some token gestures like free preventative care, but in my experience health insurance companies frequently shoot themselves in the foot by denying care that later ends up costing them even more when the patient's untre…

Maybe true in US, but here in Europe ie my health insurance gives me rebate on my gym membership (any gym). With some more automated low cost gyms I can get back up to 50% back. This seems like a similar case.

Re: GLP-1s are breaking life insurance

#457

Post by jajko »

interestica wrote: post #233
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…

Fluoridated water? Nah. GLP water.

Fuck that, not everybody here has massive self-control (on top of other mental) issues. Keep your chemical shit with bad side effects away from me and my kids, we know how to live well and raise kids similarly.

Re: GLP-1s are breaking life insurance

#458

Post by wincy »

b3lvedere wrote: post #415
wincy wrote: post #344

Earlier quoted context omitted.

I’m INVESTING more. I’ve paid off like $15,000 in debts this year. I swear it’s because of the Zepbound.

Strange side effect, but maybe because you are happier? :)

I’ve lost 80 pounds before GLP-1s were a thing and didn’t gain this superpower, and the last time I lost weight (about ten years ago) I went from front line desktop support to teaching myself to code and getting a job as a software engineer, so honestly maybe it’s just “not having sleep apnea”, then when I regained the weight it felt like I lost some IQ points. So you may be on to something. Also it seems to generally reduce inflammation.

My heartburn I suffered from is completely gone but that’s because I just absolutely stuffed my face, I felt like I could never eat enough food.

Re: GLP-1s are breaking life insurance

#459

Post by joncrane »

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…

I believe you 100%. I have a history of substance abuse with bad consequences. I quit alcohol and now my drug is food. People tell me I'm a "supertaster." I can taste many of the ingredients in my food that others can't.

I also have BPD and am in therapy for it, but man. Food is the drug that always works. When I get into a certain mode, it's like I don't care that I'm overweight and have high blood pressure. I just crave the deliciousness and the "full feeling." And it never fails to work! I always feel more calm and happy after I eat.

Re: GLP-1s are breaking life insurance

#460

Post by popupeyecare »

llm_nerd wrote: post #6

This is a fun read, however- "Life insurers can predict when you'll die with about 98% accuracy." This conclusion isn't supported by the linked document. The document instead is talking about expected vs actual deaths among demographic groups as a whole, not individual people. And that expected vs actual is just history + trends. This doesn't mean that insurance can say that Joe Blow is going to die in June of 2027 w…

The link even has the source being ChatGPT - it hallucinated!
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