The problem I see with insurance companies is that they aren’t providing a product in return for payment. It’s an institution of gambling. They are gambling you won’t get sick, you gamble you will. It’s not a typical brick and mortar business that provides a service. It’s a model that’s inherently flawed and biased against the consumer. I just don’t believe medical insurance should be a for-profit endeavor because it’s always going to be against the best interest of those that have the need. Insurance companies’ products and business model are a conflict of interest by nature.

Selling health insurance for profit is inherently wrong, socially immoral, and evil. Insurance evolved out of the idea to pool risk for large groups of people, in order to dampen the blow for the individual. Of course, over time it evolved, they continued to drive people out of their ranks who got sicker or older, because it impacted the bottom line.   It is a bet by both sides of the deal. However, when the insurance company bets wrong, they just raise your rates or drop you. When the customer bets wrong, the insurance company pays a dividend.

So the right says that the problem is tort reform.  Tort reform would make up less than 1% of insurance costs.  The amount would be minuscule compared to the whole problem.  Compared to much of the rest of the world the U.S. spends more in health-care expenditures with less favorable results.  Our whole system is broken.  I don’t claim to have the answers but we cannot continue to make politics more important than helping people in need.

I have a particular interest in this process because I’m personally effected.  I’m effectively without health insurance beginning February 1st, having been priced out of ever being able to afford the cost.  I am confounded that the right cares so little for the health and well being of their fellow humans.  They care more about their own agendas than helping others.  Their philosophy seems to be one of “Hurry up and die already.”

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