GLP-1s: The Insurance Industry's Mirage of Health

The widespread adoption of GLP-1 weight-loss drugs presents a significant challenge to the insurance industry. Because GLP-1s dramatically improve health metrics correlated with mortality risk, insurers are facing 'mortality slippage,' misclassifying users as low-risk. This leads to potentially massive payouts. Insurers are reacting by refining assessment methods and seeking partnerships with pharmaceutical companies. However, the author argues that a simple fix – extending medication refill cycles (e.g., from 30 to 90 days) – could significantly improve patient adherence, mitigating risk for insurers and creating a massive opportunity for companies focusing on patient retention. The first movers in this space will capture a significant market share.