Health Insurance

I got a insurance license a few months ago. Every time I reveal this professional twist, I’m embarrassed. I hate health insurance. I think the whole concept is immoral and the industry corrupt.

Understand, that for the most part, I am a capitalist. I’ve been self-employed for longer than most of my readers have been alive. I couldn’t live any other way, but I believe strongly that matters of survival should not part of that game.

If a mugger demands you turn over your wallet, or die, and you do so, is it then voluntary? Can he later claim the wallet as a gift? You have a choice when it comes to which jeans you buy, or whether or not you paint your home with the latest designer colors, but when you’re holding your chest, gasping for air, you can’t take the time to check your budget. Saving a persons life should not be part of the free market.

Health insurance must be single payer and universal.

I held these beliefs before I got my license and now that I’m in the business, I believe it more strongly than ever.

The fact that it costs a fortune to pay for something that you hope you will never use is bad enough, but now, from the inside, I see that the insurance companies not only hope for the same, but make certain of it, by insuring only those who statistically will be far less likely to use their services, by continuously raising rates until their statistically soon-to-need-to-use-their-coverage are forced to switch companies - where you’ll be rated up for anything you might have ever used, or excluding from coverage for any condition which may cause them to pay out any of the money they get from all of us every month.

When I think about all the unfortunate people who are forced into job slavery because their spouse, or child has a serious condition, or illness, which is covered under their existing employment group policy, but which would be automatically excluded from coverage should his policy change, or his job terminate; when I see the five clerical workers in my doctor’s office, who have no other job but to handle paperwork for the dozens of insurance companies and scores of plans, options and payment types, the agents, sub-agents, general agents, collection agents, brokers, carriers, insurers, re-insurers, all getting a piece and driving up the costs of this life and death pie, I want more and more for this new profession of mine to become obsolete.