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[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.

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2. Walter+1w1[view] [source] 2025-08-03 02:13:44
>>lvl155+rl
Is it a coincidence that the industries with the most heavy government involvement - health care, education, and housing - are the most messed up with perverse incentives?

Whereas the software industry, with near zero government involvement, has had enormous improvements in function and has pushed the cost to literally zero.

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3. joe_th+ux1[view] [source] 2025-08-03 02:37:30
>>Walter+1w1
Most other advanced nations have nationalized health care which works much better.

The US health care system is broken because health care is a natural monopoly that US free-market ideology dictates be run with (fake) "free markets" with result being a variety of companies profiting by abusing the system.

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4. refurb+jB1[view] [source] 2025-08-03 03:28:45
>>joe_th+ux1
> Most other advanced nations have nationalized health care which works much better.

That's not true by the definition of "nationalization" (government ownership)

Switzerland and Netherlands are entirely private insurance. Most European countries have a public system and private system. It's very common for people to purchase supplemental insurance on top of what the government provides.

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