zlacker

[return to "Financial lessons from my family's experience with long-term care insurance"]
1. lvl155+rl[view] [source] 2025-08-02 16:40:02
>>wallfl+(OP)
Healthcare in the US is broken and they won’t let you fix it because the money is too good. Think about the fact that PBMs, which is there to save and manage on pharma is incentivized to promote drug price inflation. That’s just one “small” piece of this clusterf*k. It’s layers and layers of these convoluted system of incentives.

As to OP, the simplest solution is to move out of the US early enough or become “poor” enough and be in a wealthy blue state by the time you get to this predicament.

◧◩
2. silisi+lP[view] [source] 2025-08-02 20:00:36
>>lvl155+rl
Healthcare is little more than a jobs program at this point.

I believe it is the largest industry by employment in every single state now.

That compounds the problem even further. Really fixing it would put a double digit percentage of people out of work. I'm all for it, but I can see why politicians are hesitant.

◧◩◪
3. Aviceb+dQ[view] [source] 2025-08-02 20:07:28
>>silisi+lP
> Really fixing it would put a double digit percentage of people out of work. I'm all for it, but I can see why politicians are hesitant.

I'd love to hear what you think "really fixing it" is, please share.

I can report that all (almost all?) of the hospitals and their networks both big and small in the area I am in have had layoffs this year of admin staff and healthcare professionals (nurses, doctors, etc). They have reduced bed counts, and cut programs and treatment options available. All of this was done in the name of the "affordability crisis" and is kind of like the 3rd wave of this kind of consolidation, belt-tightening behavior. And..prices haven't gone down, and they keep cutting.

◧◩◪◨
4. silisi+hV[view] [source] 2025-08-02 20:41:25
>>Aviceb+dQ
I don't know all the answers, but I can tell you that cutting doctors and services is not what I had in mind. Mainly the behemoth that is everything tangential to that, namely insurance and pharma, for two. I worked on the insurance side(in tech), and most people wouldn't believe the number of people involved between the doctor getting money from the patient.

On the contrary of your statement, I would also do everything I could to allow more (capable, of course) people to become doctors each year, though I'm not sure what all that would entail. It feels criminal to me that we limit residency while a) every doctor I've ever visited is way oversubscribed and in a hurry, and b) specialist appointments are months out.

◧◩◪◨⬒
5. Aviceb+4Y[view] [source] 2025-08-02 20:59:55
>>silisi+hV
Ok, I pretty much agree with everything you suggest.

Browsing HN has conditioned me to react to sentiment like "healthcare...it's a jobs program...solve it by putting people out of work (the market will magically fix it)" to essentially be code for "I support continued abuse and further deprivations against the poor"

[go to top]