“List Price” of Rx for the retired is a fallacy. However, $10K/yr premiums and 3-5K deductible is a reality per couple. Factor in Dental and Vision…you best be prepared for retirement.
Of course those able to gamble in pre revenue bio shouldn’t worry…..
Since you are here on a stock message board, you are probably wealthy. But many are not - and that is when the government and insurance steps in. Undermine that system and the upside lowers.