Health insurance is a personal choice
This morning I was reading the April issue of Men’sHealth magazine. Those of you who know me personally might be asking yourself, “What does he do with a Men’sHealth, eat it?” But, I like to at least think healthy; that’s why I always get a Diet Coke with my Big Mac. But anyway…
There was a list polls conducted about health care, and there was one question that caught my eye: “Who should be responsible for health insurance?” And at first the response was surprising- 63% government and only 13% employer. Later after thinking about the staff of Rodale Publishing and the readers of Men’sHealth, the poll lost its shock value. But it did lead me to wonder “how many other people think this way, and why?”
Why should we depend on the government for health care. Do we depend on them for life insurance? Isn’t it just as important? What about car insurance? Again, just as important- and required in most states. Here’s something to consider - you will die, there is no maybe, the probability is 100%, and yet 77 million of us don’t carry life insurance. Why? Because, we’re dead, and the rest is left to the people left behind? When you buy life insurance, you shop around, look at 10,20,30 different policies, do you need term-life, whole-life, how much is enough, should I carry a common carrier clause, what about dismemberment? Here’s my point- you seriously shop around, trying to get the best coverage for the best price, because you can. You might get sick, the probability depends on several factors, age, diet, location, etc., but it’s not 100%, and if you do, you can get care – it’s the law. Yet we can’t imagine a day without health insurance. It’s so important to us, that were are willing to rob Peter to make sure Paul is covered.
Here’s another analogy. Car insurance; it’s required in most states, and yet we are forced to find our own, and if you file a claim, the insurance company can drop you at will. Why shouldn’t government be responsible for insuring all motorists? Have you ever wondered why they don’t? Perhaps it’s because were all crazies behind the wheel. The claims would bankrupt America; we make the choice to drive the way we want, risk life, limb, and liberty, and then shop around for the most affordable insurance. It’s a matter of choice; if we get a ticket our insurance goes up or we find another carrier.
Did hear Washington and supposedly the majority of Americans scream about not being able to afford life insurance when they want it or car insurance when they have to have it? Of course not, why? A whole lot less government intervention. Like those others, health insurance is a personal choice; if people don’t want it, don’t force them carry it, let them pay cash. If people want to pay more for hangnail coverage, give them the option – remove the regulations, let us shop across state line, give us ala carte options, and then get out of the way.
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Maybe an HSA will help. To be eligible for a Health Savings Account, an employee must be covered by a qualified High Deductible Health Plan (HDHP), must not be covered by other health insurance, must not be enrolled in Medicare, and must not be claimed as a dependent on someone else’s tax return.
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There are two basic kinds of life insurance. The first, and most common, is term life insurance. Simply put, term life insurance insures a person for a certain period of time and builds no cash value. It is the most popular choice because it is usually the least expensive insurance for the particular coverage a person needs. The second, and generally most expensive, is whole life insurance. Whole life insurance insures a person for life and does build cash value. Whole life insurance is a reasonable choice for people with permanent debilitating health conditions, the elderly, or those who can afford it. Although children do not usually fall into any of those categories, they do sometimes qualify for term life insurance.
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