[nathanyz]

While I agree on your points of the benefits, the one place who is not advocating for them is insurance. People switch insurance frequently, so there is no benefit to help this year what causes a significant disease to their customer in 10 years as that benefit will likely acrue to some other insurance company.

The insurance companies basically think 1 year at a time for drug coverage and only care about keeping you alive for that 1 year at the cheapest possible price. Long term care and planning is something medicare/medicaid may better be able to utilize in their economic model to justify coverage.