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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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5. const_+IV5[view] [source] 2025-08-04 19:38:19
>>Walter+kR3
I'm just not sure how you get around a private market inevitably letting people die.

If someone can't afford healthcare, and in your vision we should refuse to provide it, then they die. That means, unfortunately, you are advocating for their death.

Which is fine, maybe. Except that we still have to deal with that. If they can't afford to dispose of their own bodies, now what?

No matter how you cut it, we either go back to the government or everything is awful.

Me asking you if you want to scrape bodies off the freeway isnt rhetorical. It might seem that way, because it's so extreme, but that's the reality here.

Someone, somewhere, has to pay for that. We already established that the person themselves cannot do it.

Should it be you? Should it be me? Or should it be everyone? If you answer everyone, congratulations, you've reinvented taxes.

The issue here is that these are already solved problems. Why do you think governments invented taxes hundreds of years ago? To steal from you? Look at the big picture.

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6. Walter+uz6[view] [source] 2025-08-05 00:26:29
>>const_+IV5
Under a free market, medical care will be cheap. There's no particular reason why health care should be so expensive, but every time the government takes it over, that's the result.

Look how cheap your cell phone is, despite the amazing engineering that went into it. Pretty much everyone has a cell phone, both rich and poor.

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