HN Reader

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.

There are three things a nation needs to accept about universal health care:

(1) It’s expensive (2) Everybody has to pay (3) The government’s gotta run it

You need to get this long before you need it, but also ensure it is good plan that will take care of you. The person in the article is lucky to have kids doing that, if you don't have kids who care who will care for you.

My youngest and I were discussing how removing zoning barriers to ADU (in-law suites) can be a big win for families and small win for housing in general.

In short, build an efficiency apartment on family property for an alone-living relative. Family can better provide support; the relative's residence goes back into the housing supply.

The municipality provides usual construction inspections but doesn't prevent the construction for non-pragmatic reasons.

ref: https://duckduckgo.com/?t=h_&q=zoning+to+allow+ADU%2C+in-law...

Delay, deny, defend --- this is the insurance industry's modus operandi.

Insurance is the only industry where customers are the enemy.

> they each paid about $14,000 in annual premiums for 10 years, and the daily benefit started at $200 per day.

Insurance companies have to make money, but that's not that good of a deal, and the payout isn't that high ($73k annually) considering you won't be doing much else.

his notes are EXACTLY my experience. bookmark it.

I wonder if moving his father to an assisted living facility at some point will be a better option. I have little experience with this topic so I am genuinely curious.