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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. const_+n23[view] [source] 2025-08-03 20:15:40
>>Walter+1w1
When it comes to healthcare, we didn't used to have so much regulation.

And, well, it sucked. People died, black people got injected with radiation, and we experimented on humans.

Ultimately, I don't want poor people to just... die. Because that's bad. So we need some sort of guarantees.

Or, we don't: in which case, I hope you're content scraping bodies off the freeway for free. Someone has to do it if we're not paying for their healthcare and disposal costs. Hope you're not busy next weekend!

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4. Walter+kR3[view] [source] 2025-08-04 06:06:36
>>const_+n23
> People died, black people got injected with radiation, and we experimented on humans.

Those were experiments done by the government or funded by the government.

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