> When someone stops the medication, they'll usually regain the weight they lost
Source? I agree that some people will regain the weight, but "usually" is an unfounded (without some data) generalization.
GLP-1s are breaking life insurance
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Re: GLP-1s are breaking life insurance
#92Obesity 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…
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 there are still active patents when used for obesity that make them crazy expensive for a few more years.
Life insurance is all about models and predictions about when you’re going to die. Any sudden change that massively impacts those models suck, because life insurers are basically gamblers with gobs of historical data they use to hedge their bets.
Re: GLP-1s are breaking life insurance
#93I 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…
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That's a great idea!
Can you show me what we're doing in USA to help children and people develop the habits and discipline for long term lifestyle change?
Because I've never learned anything about nutrition, macros, high sugar content and all of the healthy food I should learn to eat on my own.
We did not have home classes in any of my education in US at all, they were a thing in the past but that wasn't a thing in my middle hs or hs or college at all in NY in 90s/2000s.
All of my bad habits were from my parents and they were not good eaters.
Re: GLP-1s are breaking life insurance
#94I believe AI along with smart glasses that shows and calculates your daily caloric intake will be a SUBSTITUTE (another option) to the Ozempics. With AI glasses doing this automatically for you upon seeing what your eating without u having to do anything some people may be shocked to learn how many calories they consume daily. Currently, it's too time consuming now for the majority to do (i use GPT via texting it or…
People with poor restraint will remain unfazed. If what you're suggesting worked, then the horrible cancer pics on cig packs would have long eliminated smoking.
I agree with you. However, smoking rates have gone down, probably in part because of those pictures and awareness campaigns in general
Re: GLP-1s are breaking life insurance
#95Earlier quoted context omitted.
... and the question was about the aggregate effect. What happens if all life insurers go bankrupt?
Every single life insurer? All at once? Jeez.... I guess in that scenario I become a billionaire because it will be very easy to scoop up some VC money to snoop up some of those newly unemployed actuaries to monopolize the market at a profit margin an order of magnitude larger than any of my now non-existent competition, because this is a financial product and doesn't require months of building a factory or something…
If you think it's that simple, you have no idea what you're talking about.
How many years experience do you have in the insurance industry that you're so confident to talk like this?
> because this is a financial product and doesn't require months of building a factory or something to offer.
How many financial instruments have you launched? If the answer is zero, you should refrain from any conversations on the topic because your opinion literally means nothing.
Re: GLP-1s are breaking life insurance
#96I 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…
> People who gain it back did not learn the lesson and did not effectively change their habits. You need the discipline This is deeply misguided. I’m glad that the little assist was enough for you, but if “healthy habits” were enough then people who’d lost weight the traditional way would keep it off. Further, unless you’ve been off it for more than six months, I’d hold your judgement on this one.
> but if “healthy habits” were enough then people who’d lost weight the traditional way would keep it off.
That's because a lot of the "traditional way" methods are pseudoscience at best, outright quackery that's going to send you into serious malnutrition issues or eating disorders at worst. Every two or three months you see a new diet fad pushed through the yellow press rags, and none of it anywhere near being considered scientifically valid - usually it's some VIP shilling some crap story to explain how they lost weight, of course without telling the people that they have the time for training and the money to pay for proper food, 1:1 training and bloodwork analysis.
Re: GLP-1s are breaking life insurance
#97I believe AI along with smart glasses that shows and calculates your daily caloric intake will be a SUBSTITUTE (another option) to the Ozempics. With AI glasses doing this automatically for you upon seeing what your eating without u having to do anything some people may be shocked to learn how many calories they consume daily. Currently, it's too time consuming now for the majority to do (i use GPT via texting it or…
I don’t think awareness of caloric intake is the problem, there are standardized labels on most foods (especially the bad ones). Most people who are obese know that the calories make them overweight, but they still have the need to eat food — which is what makes obesity a result of addiction. Similarly meth addicts know that meth is bad for them, but they still do it anyways.
> which is what makes obesity a result of addiction.
Obesity is not (in general) a result of addiction.
Re: GLP-1s are breaking life insurance
#98So... 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).
Re: GLP-1s are breaking life insurance
#99Obesity 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.
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 effects of ozempic immediately come off after usage, it's a short-term enough solution that benefits the insurance company, no?
Re: GLP-1s are breaking life insurance
#100so surreal reading comments... a month after non-stop threads about glp causing a billion issues, everyone is talking about how wonderful they are again. humanity
billion issues? i saw some reporting on rare cases of blindness. what else?
1-2 years ago there was considerable skepticism about "taking the easy way out" or unforeseen risks like like with Fenfluramine/phentermine. Now sentiment has changed given that more people realize these drugs are safe and effective.