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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. apwell+aA1[view] [source] 2025-08-03 03:17:06
>>joe_th+ux1
other nations get benefits from 1. US subsidizing pharma startups and 2. less people with chronic diseases 3. offer lower quality of care at lower price point 4. import doctors vs solely rely on homegrown

USA is very very good at complicated, cutting edge medical care but not efficient at delivering routine care.

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5. concep+eH1[view] [source] 2025-08-03 05:13:22
>>apwell+aA1
“USA is very very good at complicated, cutting edge medical care” - i hear this but haven’t seen it in practice or in statistics. Everyone I know that has needed such things has had the same poor quality of care that primary care providers have - long waits, insurance issues and mediocre outcomes.
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6. apwell+se3[view] [source] 2025-08-03 21:49:18
>>concep+eH1
> i hear this but haven’t seen it in practice or in statistics

curious. what kind of statistics would that show up?

When i was looking into clinical trials for prostate cancer. almost 80% of experimental cutting edge medicine was in usa. They even have spl k2 visa for International patients to participate.

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