Health Insurance

Here's my question, does your auto insurance cover oil changes? No? Do you know why? Because there is a 100% chance that you will get an oil change, there is no way to insure against it.

Insurance by it's nature is a transference of risk from you to another party. That party accepts payment of a premium calculated based on the likelihood of the incident being insured against actually taking place and the cost and frequency of the incident. If the likelihood of the incident is 100% then the premium would just cost the amount of the incident times the frequency of the incident over the time period being covered by the policy (plus overhead to operate the insurance company).

Most of us think that our insurance plans should cover everything, office visits, prescriptions, etc. well this is stupid. What you are doing in actuality is simply paying an insurance company to pay your doctor bill. just pay it yourself? Weird idea I know. Real insurance would only cover those events with a statistical likelihood of occurrence of less than one, all other expenses would come out of your pocket and be negotiated directly between you and your provider.

When you involve a 3rd party payor, you have paid to extricate yourself from the process of negotiating your healthcare costs. When you do this you have basically given the healthcare and insurance industries the permission to spend your money how THEY see fit. So prices get disjointed from reality, and it naturally creates a kind of "ponzi scheme" where as long as more people are paying in than are taking out then the system continues to work. Add onto this government manipulation of healthcare prices and procedures via the printing of fiat currency to pay for programs such as medicare and medicade (this causes price increases simply due to the effects of inflation), and government regulations such as those regarding emergency room treatment, and you have the perfect storm for an out of control fake economy and you and I the consumer get caught in the middle with no power no control it. And that's the idea, because then we turn to congress to fix the problem. More stupidity on our part.

The insidious thing is that the way the law currently exists just ENCOURAGES this to happen. Why? Because "they" want single payer healthcare. The same "they" that gave us the IRS. In order for our consumer based economy to work as many people as possible have to waste thier lives away toiling in some beurocracy so that they can earn fake money to purchase cheap junk made by slaves in third world countries. Naturally, as people who wish to be seen as moral, we would resist such an idea, but along comes our favorite government programs (most of which are only necessary because government intervention has priced the average consumer out of the market for whatever the government program is providing), the fear of going to jail for not giving the government YOUR money (the illegal and unconstitutional IRS), and the fear of getting sick and not being able to pay for it, add all this together and whammo, they've got you convinced to commit a excruciatingly long and drawn out form of suicide called the "American Dream".

The best thing to do about all this is to WAKE UP!