Hacker News Board Hacker News, browsed like a classic message board
Live data from Hacker News

GLP-1s are breaking life insurance

glp1digest.com

Post reply on HN
Print view View original

481–490 of 640 posts

Re: GLP-1s are breaking life insurance

#481

Post by throaway955 »

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…

I'll echo that addiction feeling! It's amazing to me, how when I ignore the "it's time to eat" feeling (which isn't easy to do!) it suddenly starts to get weaker and even goes away...almost as if I wasn't really hungry at all!

Re: GLP-1s are breaking life insurance

#482

Post by throaway955 »

snarf21 wrote: post #468
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…

Dieting is hard and we still under emphasize the mental and emotional aspects of it. I've found that the easier to "be good" at dieting during the 30 minutes of weekly grocery shopping then during every hour of every day at the house. I try hard to just never buy things that I'm likely to overeat or are super calorie dense because I know I can't eat potato chips responsibly.

This is the way. Why give yourself the temptation when one slip-up can ruin the whole thing for yourself?

Re: GLP-1s are breaking life insurance

#483

Post by throaway955 »

esperent wrote: post #357
wincy wrote: post #338

Earlier quoted context omitted.

I can tolerate tea quite well. Unseeetened iced tea by the gallon, specifically.

I'm not on any medications, and I've never been able to handle tea in the morning. Green, black, iced, hot, matcha. It always makes me feel nauseated unless I've eaten breakfast first. I always drink black coffee though, without problems.

This is due to the high concentration of tannin in the tea. It causes stomach problems if you dont have protein in your belly already.

Re: GLP-1s are breaking life insurance

#484

Post by helicalmix »

altcognito wrote: post #323
helicalmix wrote: post #99

Earlier quoted context omitted.

hmm...doesn't this possibly incentivize ozempic subsidies even more? If you know a "customer" of yours (an individual employee) is only going to be with you until they either change jobs or go on Medicare, then it seems the name of the game then is to make sure that nothing catastrophic happens to them until you can hand them off to someone else. In which case, they should definitely go on ozempic. Even if the effect…

If you were guaranteed 5% over the total cost of the medical services provided as profit, would you want people to have expensive or cheap medical. Are?

can you explain this statement to me more? I think i'm missing something

Re: GLP-1s are breaking life insurance

#485

Post by dmoy »

AbstractH24 wrote: post #426
jtrn wrote: post #226

Earlier quoted context omitted.

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)

> United States: The main patent is expected to expire around 2032. Monthly Price: $950 - $1,350+ (cash price without insurance) While 2032 seems very far away now, its actually remarkably soon in the grand scheme of society. My understanding is one of their defendable moats is the patent not on the compound itself, but on the injectors. Which is far longer.

> one of their defendable moats is the patent not on the compound itself, but on the injectors. Which is far longer.

That is very typical in the drug/medical industry. To the point where it is sometimes (often? usually?) an intentional strategy.

https://sites.uclawsf.edu/evergreensearch/

Re: GLP-1s are breaking life insurance

#486

Post by coredog64 »

LadyCailin wrote: post #414
eru wrote: post #399

Earlier quoted context omitted.

I'm no fan of the patent system, but "patent system promises spoils for coming up with great new drug, companies comes up with great new drug, companies gets spoils" is exactly how it's supposed to work. Yes, it's sucks that you have to pay, but that's how you incentives getting the wonder drugs invented in the first place. (I have my own take on this, but if anything this is a 'textbook case' in favour of the patent…

If this research was done fully via the public system in the first place, it would be an easier nut to crack. I mean, some of it is already, and that’s the absolute worst scenario: the public paid for it via taxes, and now has to pay for it privately after the fact.

The public isn't paying for the phase 2 and phase 3 trials.

Re: GLP-1s are breaking life insurance

#487

Post by Jalad »

eru wrote: post #401
gscott wrote: post #318

Earlier quoted context omitted.

Elon Musk suggested it. The fast food Industry has ppl addicted along with the lack of health education in schools.

> [...] along with the lack of health education in schools. I don't think that's too much of a factor? I mean, check how much (or rather how little) people learn of the stuff that _is_ covered in school. Tweaking the curriculum would just mean that instead of not paying attention in algebra, students would not pay attention in 'health education class'.

In my school there was a strong emphasis on what a healthy diet is baked into the curriculum. Along with my family's relatively healthy cooking, that set me up for cooking and eating well on my own through college and life after that. I would edge away from takes related to "it just wouldn't work"

I mean the education system is its own mess for other reasons, but it's not a complete failure

Re: GLP-1s are breaking life insurance

#488

Post by neaden »

nrenegar wrote: post #477
popupeyecare wrote: post #450

Anyone read the source and find the 98% accuracy stat? The source link has a UTM source of ChatGPT. Could it be a hallucination?

It's extremely incorrect. 98% accuracy on when "you'll" die would imply an R^2 of 0.98 for individual-level lifespan predictions. We are nowhere close to that.

It could mean a lot of things. It could mean "We think you'll die at 87+-5 years" and counting it as a success if you die anywhere in that age range for instance which I could believe they can predict the vast majority of the time. I doubt they are referring to the R Squared.

Re: GLP-1s are breaking life insurance

#489

Post by coredog64 »

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.

This misunderstands how employer-provided insurance works for most people. Large employers sign up with a company like Cigna to provide a network and administrative process. But the actual healthcare is covered by the employer. So really, Cigna or BCBS don't really give a rip if you're taking a bunch of money out of the pool.

Re: GLP-1s are breaking life insurance

#490

Post by thephyber »

AbstractH24 wrote: post #426
jtrn wrote: post #226

Earlier quoted context omitted.

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)

> United States: The main patent is expected to expire around 2032. Monthly Price: $950 - $1,350+ (cash price without insurance) While 2032 seems very far away now, its actually remarkably soon in the grand scheme of society. My understanding is one of their defendable moats is the patent not on the compound itself, but on the injectors. Which is far longer.

Yeah, the drug + the injector together are the patentable thing. When the first patent nears expiration, they work on an iteration of the injector or a time release change for the drug, then they get another few decades of product monopoly.

They have also made a business of either stifling or “catch and kill”ing of the generics for their products. It’s cheaper to pay off a generic manufacturer to not compete with the new thing than it is to lose price elasticity of the n non-generic.

Post reply on HN