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I disagree with the comparison of health care insurance to auto or home insurance. The health issues which drive many Americans into insolvency or bankruptcy are not single-event, catastrophic incidents. Those can usually be recovered from with time and care (physically and financially). What is literally driving Americans to bankruptcy are long-term illnesses-many of which cannot be prevented no matter what choices an individual makes in diet or environment (Cancer-absent skin or lung, Type 1 Diabetes, etc.) Auto insurance doesn't cover having to repair a vehicle on a daily basis, and home insurance doesn't cover having to make daily, minor repairs, either. But most of us couldn't afford a car OR a home if there was something that literally had to be fixed at a cost of $5,$10, $50, or even $100 a day-every day of the year.<br> <br> To add insult to injury (pun intended), even those of us who pay for premium policies through our employers aren't "safe". My out-of-pocket portion of the monthly premium for my family of 4 totaled over $10k last year. Yet if I developed a long-term or lifetime illness which required ongoing and expensive treatment, I could still easily be in bankruptcy within 12-24 months.<br> <br> I don't care what party you belong to-when paying close to $1000 a month for insurance, and more money out of pocket for co-pays and prescriptions is STILL not enough to safeguard the health of yourself and your family, then the system is irrevocably broken. I am all for profit-insurance companies and health care providers are businesses. But at some point they have to be taken to task and forced to actually provide medical services and pay for health care in exchange for the premiums they receive-without the option to manage the level of care a policy holder receives based on skewed "risk" models.
By Charles
Search Boortz.com
