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Novo Nordisk (Ozempic)
Acquired
Private Insurers and Incentive Alignment in US Healthcare
Private insurers in the US healthcare system have a strong incentive to cover only those medical expenses that pay off in less than the average job tenure of 3.7 years, or those with overwhelming employee demand. This results in a mismatch of time horizons, as individuals are invested in their long-term health outcomes while insurance carriers are not. As a result, insurers tend to offload the costs of chronic conditions onto government programs like Medicare, contributing to a significant incentive problem in the healthcare system.
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