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.”

I then took a shower in the clean water provided by a municipal water utility.

After that, I turned on the TV to one of the FCC-regulated channels to see what the National Weather Service of the National Oceanographic and Atmospheric Administration determined the weather was going to be like, using satellites designed, built, and launched by the National Aeronautics and Space Administration.

I watched this while eating my breakfast of U.S. Department of Agriculture-inspected food and taking the drugs which have been determined as safe by the U.S. Food and Drug Administration.

At the appropriate time, as regulated by the U.S. Congress and kept accurate by the National Institute of Standards and Technology and the U.S. Naval Observatory, I get into my National Highway Traffic Safety Administration-approved automobile and set out to work on the roads build by the local, state, and federal Departments of Transportation, possibly stopping to purchase additional fuel of a quality level determined by the Environmental Protection Agency, using legal tender issued by the Federal Reserve Bank.

On the way out the door I deposit any mail I have to be sent out via the U.S. Postal Service and drop the kids off at the public school.

After spending another day not being maimed or killed at work thanks to the workplace regulations imposed by the Department of Labor and the Occupational Safety and Health administration, enjoying another two meals which again do not kill me because of the USDA, I drive my NHTSA car back home on the DOT roads, to my house which has not burned down in my absence because of the state and local building codes and Fire Marshal’s inspection, and which has not been plundered of all its valuables thanks to the local police department.

And then I log on to the internet — which was developed by the Defense Advanced Research Projects Administration — and post on dustybits.com about how SOCIALISM in medicine is BAD because the government can’t do anything right.