The new Medicare 'Access' code for AI in chronic care is priced too low to be profitable if humans are kept in the loop. This clever incentive design forces providers to adopt genuine AI-driven leverage rather than simply relabeling human effort, a first for healthcare technology.

Instead of a radical healthcare overhaul, a pragmatic solution is to lower Medicare eligibility by two years, every year. This phased approach would gradually move the US toward nationalized coverage, address the highest-cost demographic first, and allow the private sector time to adapt. This single policy change could potentially eliminate the entire annual federal deficit.

With increasing longevity, retirement is not a single period but a multi-stage journey. Financial plans must distinguish between the early, active "golden years" focused on travel and hobbies, and later years dominated by higher, often unpredictable medical expenses. This requires a more dynamic approach to saving and investing.

By allowing insurance companies to price plans based on biometric data (blood pressure, fitness), you create powerful financial incentives for people to improve their health. This moves beyond abstract advice and makes diet and exercise a direct factor in personal finance, driving real behavioral change.

General Catalyst's CEO highlights a core flaw in healthcare: insurance providers don't reimburse for longevity or preventative care because customers frequently switch plans, preventing insurers from capturing long-term ROI. The first company to solve this misalignment and make longevity "financeable" will unlock a massive market.

While competitors like United and Aetna are prioritizing margins in a tough Medicare Advantage market, Humana is aggressively pursuing growth. This is a high-risk gamble, as new members are typically unprofitable in their first year. The strategy relies on a favorable, and uncertain, future change in government reimbursement rates.

Estimates place Medicare fraud at 10-15% of all spending, a figure well over $100 billion per year. This staggering amount, which is more than half the Army's budget, highlights the massive financial drain and its pernicious downstream effects on the entire healthcare system, including rising costs and eroded trust.

For individuals with a multi-million dollar net worth, forgoing expensive health insurance can be a rational financial choice. The substantial savings on premiums (e.g., $300-400k over a decade) can create a fund large enough to cover most medical costs out-of-pocket, effectively creating a self-insurance pool.

Reactive healthcare systems like US Medicare are financially unsustainable against an aging population, with projections for insolvency by 2035. The only viable path forward is a government-led pivot from reactive disease treatment to proactive, preventative longevity technologies to manage costs and improve healthspan.