The naked truth about health insurance

Supreme Court Building

The Supreme Court of the United States of America just listened to three days of argument as to whether or not the recent Affordable Care Act (ACA) is Constitutional. Central to the twenty-six States’ argument is that the Federal government can not compel its citizen to purchase something they they do want to buy.

Like these opponents of the ACA, I have a big problem with the Federal government telling me what I should and should not be buying. But I have an even bigger problem with my fellow citizens who insist on sucking out only the benefits of citizenship without shouldering any of the responsibilities. In short, we should never be at a juncture where the government is forced to make us play nice with each other.

What affects you, affects me. The United States of America is our community and we should never cede control to a government because we can’t figure out how to take care of each other.

Solve that problem and you have a small government.

But I digress.

What we are calling health insurance is not really insurance. It is just a way to pay for health care. Mandating citizens buy health insurance is not at all like forcing them to buy car insurance. Not buying health insurance is an act of denial by some that their bodies will not get sick or injured.

If we want to stick with an automobile metaphor, it is more like being in denial about changing your car’s oil and expecting it to run simply because the oil is healthy today. Ignoring your health care by pretending you will always be healthy only acknowledges you are healthy today but ignores the fact that your body wears over time. Like oil, some bodies break down faster than others. Sometimes, the oil pan gets punctured even when the driver is careful.

In other words, illness and injury are a certitude with a human body. It’s just a matter of when. No business worth a damn capitalizes based on certain loss.

The current health insurance market is unsustainable and the industry knows it. What nobody is saying is that the health insurance companies were unsuccessful at selling insurance to young, healthy people, so they lobbied to get this group covered — and paid for — by their parents. That took care of that group while Medicare takes care of the older group they didn’t want to cover. Now, the only the group left are middle-aged people who are getting fired left and right by employers, thereby getting dropped from coverage.

Individual plans? These are gawd awful expensive for anyone over 45 so most just drop coverage and pray they don’t get cancer or a heart attack. If the ACA is struck down, in ten years there will be nobody left to buy health insurance.

Insurance companies know this.

The ACA gives them 20-30 years to transition their business model. Without it, they probably have fewer than ten years before they will all be frantically merging, trying to pool assets and mitigate losses. The argument against the individual mandate is being driven by the very wealthy, the very healthy and the already Medicare-serviced. Selfish pack of idiots.

You just need to be paying attention halfway with half a brain to figure this out. It just is not that hard. The morality of providing health care or the constitutionality of forcing us to pay for something does not even need to be part of the argument.

The business model is simply unsustainable.

2 Replies to “The naked truth about health insurance”

  1. It was one of Hitler’s henchmen whose philosophy was, “if you tell a lie often enough and loud enough, people will believe you.” It worked then and it seems to be working now.

    And to go off on another tangent, my biggest beef is with education. I truly think the very wealthy, selfish and evil want the rest of America to remain uneducated so it remains easier to lie to and manipulate voters. Educate the masses, allow them to develop critical thinking skills, and they will all consider what you just wrote common sense. It is easier to herd stupid cows into the slaughterhouse.

  2. If pushed, I really honestly do not think it is all that strategic. I think we have have become such a quarter-by-quarter-thinking nation that the ruling class — to its core — does not feel any obligation whatsoever to the community that enabled them to climb to where they are. Corporations used to talk in terms of community and (even though it is a perverse example) used to build towns to support their factories. Now, it is only about a return to shareholders as if the infrastructure that we all built simply does not matter.

    Walmart for example, could only have been possible because of the interstate highway system. Who cares if you have the cheapest price if you can’t move goods in and out of Bentonville. Yet, 50 years later, they have conveniently forgotten about the systems that enabled their existence and growth, the heirs having convinced themselves they themselves have created their own success and they owe NONE of it to the bottom-feeding masses. They were carried as was every other success in these United States of America.

    I really don’t think anyone is thinking all that strategically.. we have become a hedonistic nation, especially at the very top 1%. The 99% are now just hunted for sport.

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