Longevity Research Initiative · Health-Economics Note

Longevity Fiscal Impact Model

A two-sided model of what adding life-years does to a public health budget. Avoided acute and chronic-disease care (the prevention saving) is set against the cost of funding additional life-years of medical and long-term care; quality-adjusted life-years (QALYs) are valued separately. A morbidity-compression control lets you test whether prevention makes the added years cheaper. Defaults reproduce the standard result (van Baal 2008): cost-effective, not cost-saving.

Inputs
Results (present value)
Net effect on the health budget
+$0.0B
Net value to society (health gain − fiscal cost)
+$0.0B
Decomposition (PV, whole cohort)
Avoided acute care (saving)
Avoided chronic-disease care (saving)
Added medical care (cost)
Added long-term care (cost)
Net fiscal impact
QALYs gained
Value of QALYs gained
Net cost per QALY

Antithesis — read before citing

Crediting avoided chronic-disease care is correct and necessary — but it is exactly what the prevention-economics literature already does, and the net is still typically a cost. Preventing the disease does not make the patient cost-free; it lets them live the added years to develop a different expensive condition (dementia, cancer, frailty), and the costly terminal year is deferred, not deleted (van Baal 2008; Bonneux 1998). The model only flips to a net saving when avoided-disease costs exceed the full cost of the added life-years — which generally requires strong morbidity compression, an empirical claim, not a given.

Structural tension: the more life-years an intervention adds, the more care it funds, so strongly life-extending prevention is the cost-increasing kind. The model still flatters the case — it treats avoided costs as fully avoided rather than deferred, uses average not terminal-spike costs, and omits pensions/OAS/GIS. The defensible claim is cost-effectiveness and the value of healthy life, not an OHIP line-item saving. Not for clinical or policy use.

Method: net fiscal = N · [ (acute · v) + (chronic · v½) − (medical+LTC)·(1−compression)·annuity(LYG,r)·v ], where v=(1+r)−delay, v½=(1+r)−delay/2, annuity(n,r)=(1−(1+r)−n)/r. QALYs = N·weight·annuity(LYG,r)·v. Break-even line shows the avoided-chronic figure that zeroes the budget impact at current settings.
Anchors: Ontario age-standardized provincial health funding ≈ $5,268/person/yr, several-fold higher at advanced ages (FAO 2025); Ontario health envelope ≈ $97.8B (2025-26), OHIP physician payments a ~$16–18B subset. Lifetime-cost framing: van Baal et al., PLoS Medicine 2008; Bonneux et al., BMJ 1998. WTP ~$50k/QALY is illustrative.